vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have an account with Coinbase. I have not been able to access my account because the XXXX-step verification is associated with an old number. I have tried calling to get assistance but the automated system just gives me the run-around and you can not speak to a live representative. I then tried emailing them at XXXX different emails, and received an automated response with a link that goes back to the app/website. They claim that you can email them using the Help Center but this is not true, it just goes in a constant loop, without any solution. The directions at the Help Center does not reflect what's on the app/website. I have also tried to use the identity verification process which I failed XXXX times, for some unknown reason. I have used a similar identity verification with the IRS and I did not have any problems getting verified, so I do not understand why I am having problems being verified through them. I have been trying to resolve this for a while now and I do not know what else to do. I am starting to wonder is this some type of scam. I have invest a lot of money through this platform. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
YOUR COMPLAINT XXXX XXXX XXXX XXXX is trying to collect on a debt that was the result of identity theft. XXXX  XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also XXXX XXXX XXXX was told that the account was the result of identity theft and LvNV FUNDING LLC. 
Why do I need to keep repeating myself with this company? They continue and persist to try and collect something that is not owed by anyone of this home. 

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-08-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I bank with citizens and have done so for many years. My card was cloned and Money withdrawn. Citizens will not refund my money though it was reported in a timely manner and my employer provided proof that I was in a weekly meeting at the time of the transaction. I have never withdrew this much money from my bank especially not at a seedy gas station but still no refund or update. I requested proof of the investigation. I never received it and when I called back they started no one requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MO

Complaint narrative:
On my XXXX Credit Report Uplift starting reporting a past due balance of {$970.00} as recent as XX/XX/XXXX. This company is included in my XXXX XXXX Bankruptcy as of XX/XX/XXXX. The status was showing bankruptcy petition and XXXX balance until XXXX this year. Ive filed XXXX disputes with XXXX letting them know the current status is incorrect and they should not be reporting any balance because they are on my bankruptcy and its that they are not supposed to be reporting any negative on my report after Ive filed. XXXX has acknowledged they see them listed under my bankruptcy but continues to say the account balance is accurate and will not make the creditor fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was in an apartment that I lived in up until my lease agreement. I gave a 60+ day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for 6 months ( XXXX ) after my lease was up. I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.

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 2024-08-20 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: IA

Complaint narrative:
My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on XXXX, Transunion and XXXX credit reports. My name is incorrect on XXXX, Transunion and XXXX. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however XXXX, Transunion and XXXX refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX bureaus, XXXX had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX profile full of inaccurate and inconsistencies? I mailed a letter to XXXX and they received the letter on XX/XX/XXXX and XXXX has not updated my XXXX to reflect my correct information. XXXX has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. Transunion is still to this date locking me out and making it basically impossible to get a response from them. Transunion has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect 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 explanation
Consumer complaint received 2024-08-20 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: IA

Complaint narrative:
My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on XXXX, XXXX and Experian credit reports. My name is incorrect on XXXX, XXXX and Experian. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however XXXX, XXXX and Experian refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX bureaus, XXXX had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX profile full of inaccurate and inconsistencies? I mailed a letter to XXXX and they received the letter on XX/XX/XXXX and XXXX has not updated my XXXX to reflect my correct information. Experian has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. XXXX is still to this date locking me out and making it basically impossible to get a response from them. XXXX has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It XXXX Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-20 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: FL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> These bank mistakenly check my 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 2024-08-20 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief