vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-03-01 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: GA

Complaint narrative:
My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are.

I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable.

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2.

I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I havent seen this account in 6+ years and all of a sudden showed up on my report. 
Thats wasnt the amount that was owed, was also told the debt was cleared. Not sure where this amount came from and why it was sold to a debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: WA

Complaint narrative:
On XX/XX/year> I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2023, I visited Title Max in XXXX XXXX on XXXX XXXX XXXX looking for a loan as I was in a financial bind and needed to pay a couple of bills. I am a single mother with XXXX children who have XXXX. While in the middle of the loan process, I was never told that the loan is basically only a quick loan that should only be used for XXXX days. Also, I was told that paying a little more on my monthly payment, about XXXX to XXXX dollars more, would lower my monthly payment which is does, however, they never told me that the little extra money would be the only money applied to the principal balance. What they should have said is that paying a couple XXXX dollars more would possibly lower the principal balance. I was told the total opposite. In addition, I was also told that they report to the credit bureaus when a payment is made. That is a question that I asked. Upon making my first payment, I realized that the principal balance on my loan was not getting any lower. It was then that I called to only find out information that was a shocking surprise and that I should have been told in the very beginning before accepting the amount that I accepted. Moving further, I am highly stressed about this loan because I was misled. Also, I tried to reference back to my transaction history to see what I have paid so far and I didn't see a trace of it. Where is my transaction history? In addition to this as well, I had no idea that the XXXX is XXXX %. Is this even normal? I don't think so. Had they been clear with me from the beginning, I would have never agreed to the loan. I am on a fixed income presently and unable to afford such a rip off like this. It was very deceitful and I would like this to be investigated. I want to view my transaction history. Also, it seems like my pay off balance is getting higher. Another thing they don't tell you, is that they don't allow you to leave the state with the loan open and that they don't allow you to pay remotely from another state if you decide to relocate. It also seems strange to me that every one of the XXXX reviews has five-star ratings except for my review. This is too unrealistic. I even received a phone call from one of the loan agents trying to be helpful because of her reading of my review. She seemed a little upset which was odd as well. After noticing all of the scam-like situations in regards to my loan, it was then that I finally did a history check on XXXX XXXX and discovered that I was not the only customer who had been deceived. This company needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-03-01 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: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
My mortgage was transferred to Roundpoint Mortgage Servicing in XX/XX/2023. Ever since the transfer I have consistently faced trouble submitting my payments through their online website. I always ensured to submit my mortgage payments on time, yet their online payment system either does not deduct the payment or returns it to my bank as a stopped payment. I usually have to resubmit my payment twice or thrice to ensure that they received my mortgage payment. Recently, in XXXX I have faced the same issue, however now they completely changed the amount received although my bank statement indicates that they received the complete amount due. Whenever, I try to speak to the customer service center they are of no help, evade answering questions, and state that they can not see my payments through the system and try to make it appear as though it is my banks problem, although it is not. Please, help me ensure my mortgage payments are timely paid, I have everything to prove I have submitted my payments timely. This company does this to increase the monthly payments and are causing me unnecessary trouble and financial harm. Please help me resolve this by communicating with them. I am honest in my dealings and try to stay up to date with my mortgage payments. Thanks!!

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 2024-03-01 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: TX

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-01 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: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have been blocked from my coinbase account which contains over XXXX $ in crypto currency assets. I have attempted numerous times to reset my account on their website and on their mobile app but am still blocked. Additionally I have called and emailed at least 6 times over the course of more than a year. The latest attempt was today and I was on the call for more than 2 hours. I followed all their instructions to upgrade my email security and reset my passwords for both my email account and my coinbase account. At the end they simply told me for the third time at least that the ticket ( Case # XXXX ) would have to be escalated and they would reach out to me. No timeline was offered and this is at least the third time they have stated that the issue would need to be escalated and that they would contact me. I have spent over a year with my assets locked in blocked account and unable to access them. I have spent hours on the phone and have received no explanation as to why or when my access will be restored. I have offered all my information, have sent them numerous documents to prove it is me and still nothing. I have been more than patient and out avenues with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Two medical debts ( Amounts of {$1000.00} and {$580.00} ) were added to my account by XXXX XXXX XXXX agency, Upon reviewing the details of the alleged debt, it became evident that there had been a mistake or confusion regarding the ownership of this debt. As of the time when this debt was incurred in XXXX, I did not possess a Social Security Number, which further confirms that I could not have been the individual responsible for the medical services or expenses in question. I disputed the debt with the three credit bureaus ; XXXX and XXXX didn't remove the debt but XXXX investigated and realized the debt wasn't mine, so they took it off my account. 

Furthermore, I have meticulously reviewed my records and have found no evidence or documentation indicating any association with the medical facility or services referenced in the collection notice. There appears to be a clear discrepancy, and I am confident that this debt does not pertain to me. I have since contacted the collection agency and demanded they send proof that shows the debt belongs to me, but they didn't provide that. I also contacted XXXX and XXXX and requested that you provide me with all documentation and evidence that supports the validity of this debt, including details of the services provided, dates of service, and any other relevant information. None of them could provide proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was taken in by an employment scam, wherein they sent me checks to set up a home office but in reality were draining my account. When they had taken everything, instead of working with me at all, as a customer of over 20 years Citibank immediately closed my account and said I owe them over {$500.00}. Filed a police report about it, but obviously that's just to have it on the record, as I doubt my local precinct is going after cyber criminals.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached affidavit and credit report and remove the account XXXX XXXX from my credit report due to inaccurate reporting. There are records of CFPB complaints showing that I have tried to get this corrected for over a year and quite frankly I am tired of writing XXXX and Transunion when XXXX has since removed this account due to the inaccurate late payment reporting XX/XX/2017. I have been keeping record of the correspondence sent to you and I will be moving forward with legal action after sending this affidavit if this account is not updated or removed from my credit report. Please take this complaint as a notice of my intent to sue your agency if this account is not removed within 21 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
Consumer complaint received 2024-03-01 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 writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to TransUnion, XXXX, and XXXX, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing. 

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal 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