vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX terrace XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX : YOU HAVE VIOLATED THE XXXX XXXX FAIR CREDIT REPORTING ACT XXXX XXXX & XXXX DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX and XXXX XXXX XXXX ( a ) ( XXXX ) you have violated my consumer rights as a federally protected consumer. 
XXXX not a possible way a debt can be validated under XXXX XXXX XXXX XXXX ( XXXX ) ( b ). YOU ARE BREAKING THE XXXX XXXX LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA XXXX. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. XXXX telling you that Im ready to initiate my own investigation by filing complaints with the XXXX XXXX XXXX in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : XXXX, XXXX CFPB XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
in XXXX the city of XXXX XXXX old XXXX  property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of XXXX onto my property. During that time the building inspector illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in XXXX the city of XXXX XXXX old firehouse property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of XXXX  onto my property. During that time the building XXXX illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.

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 2024-05-15 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: WI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-15 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: FL

Complaint narrative:
I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
My company uses XXXX to make payments to my student loan on my behalf as a benefit. XXXX made a payment but Edfinancial says they never received it. XXXX has reached out 6 times to Edfinancial to inquiry about the payment but they have not provided any successful response or timeline about that is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-15 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX XXXX is XXXX XXXX XXXX XXXX Texas XXXX My account number is XXXX My social security number is XXXX My birthday is XX/XX/XXXX XXXX I have a twin. We are born XXXX minute apart. Her name is XXXX XXXX and my name is XXXX XXXX. We have the exact same birthday. Also our socials are almost the same. My twin recently applied for a XXXX  XXXX XXXX XXXX  car ore approval card. Exactly after she got approved for it they gave Me an hard inquiry & I believe her as well. I did not have anything to do with her pre approval. All I did was give her a refer a friend link thats it. Our information is incorrect. I do want this removed. According to 15 U.S.C 1681 this must be removed. Thankyou so much. 

XXXX XXXX XXXX Inquiry date - XX/XX/XXXX Removal date- XX/XX/XXXX Type - bank credit cards Phone number - XXXX Ive called them but they told me to call Experian and Ive XXXX Experian and they told me to call XXXX XXXX so now I need it removed because this is incorrect information we are XXXX different people.

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 2024-05-15 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: IN

Complaint narrative:
Date : XX/XX/2023 Company : XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX These companies violated my privacy and shared my info without my consent or knowledge I was unaware of inquiries and didnt give them permission or was under any contract with any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hello. I received an email from Synchrony regarding my credit card statements for my At Home Insider Perks Mastercard. The email states that starting in XXXX of 2024 they will be charging me a {$1.00} fee to receive paper statements. The only way to avoid the fee is to change to paperless statements. I understand the desire to go paperless however every time I try to access my account information via the At Home app it never works. I get the login page and then it just spins and spins so I can not get to my account information. So I have chosen to keep getting the paper statement. If their app worked as it was supposed to I might choose to go paperless however I still don't feel it is acceptable to charge a fee for choosing to receive your statements on paper. For others who may not have internet or may not be able to use computers or technology very well this could be a major issue and to charge a fee for this seems wrong. 
I have attached a copy of the email I received. 

Thank you very much for your time and consideration.

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 2024-05-15 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: TX

Complaint narrative:
I've identified fraudulent inquiries on 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 2024-05-15 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:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Im working on getting my husbands estate closed and he had an account with Coinbase. I contacted them originally along with my lawyer and neither one of us received any response. They offer on their website to be able to recover deceased family accounts, but there was never any response. I did it several times. There is a significant amount of money in his account and it would be very helpful if I could get it back to pay his debts. Any help or guidance would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am a victim of identity theft. The thieves charged my Sam 's Club Mastercard several times. I've been calling Sam 's Club finance service synchrony bank for months to dispute these charges and to tell them that that was not me. I was charged multiple times for " XXXX XXXX. 
Charges from XXXX : {$520.00} - XX/XX/23 {$550.00} - XX/XX/23 {$400.00} - XX/XX/23 {$4500.00} - XX/XX/23 {$860.00} - XX/XX/23 {$1500.00} - XX/XX/23 {$860.00} - XX/XX/23 {$570.00} - XX/XX/23 {$4300.00} - XX/XX/23 {$420.00} - XX/XX/23 {$4500.00} - XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 I have been calling both companies for months and there has been no resolution. All of the fraudulent charges are equating up to {$20000.00}. There is evidence attached to show all of these charges. It clearly shows on the billing statement how these XXXX charges are located in places like the XXXX XXXX XXXX XXXX. This has to be resolved ASAP.

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 monetary relief