vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/year> regarding inaccurate information on my credit report. After I didn't get a response within the required timeframe, I sent a follow-up letter, including an intent to sue them. Instead of properly investigating the disputes, TransUnion sent a letter dated XX/XX/year>, falsely claiming they could not verify if I personally submitted the disputes. I believe this is a delay tactic and a violation of my rights under the Fair Credit Reporting Act. I have made multiple attempts to have this issue resolved, and the inaccurate information is still reporting on my consumer 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 2025-02-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Follow-up Request for Deletion of Outdated Address Under 15 USC 1681i ( a ) ( 1 ) ( A ) I am writing to follow up with Equifax on my previous request dated XX/XX/year>, regarding the removal of outdated address information from my credit report. Despite more than 35 days, the requested corrections have not been made. 

This delay constitutes a violation of federal law under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving a dispute notice, subject to certain exceptions. 

I respectfully request that you immediately delete the outdated address from my credit file. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Dear Team, Im writing to formally complain about Coinbases handling of my account review and their refusal to let me withdraw my own money, which is in the amount of {$950.00}. 

Five days ago, Coinbase informed me that my account was under review. They said, Account reviews usually take a few days. During this time, you wont be able to trade XXXX  or withdraw funds from your portfolio. However, its been longer than that, and I still cant access my money. I reached out to their customer service two days ago, they told me they will expedite my review process, but still have not heard anything back from them yet, and my account is still under the review. 

This raises some serious concerns : Why is my money still locked up past the review period? 
What exactly is happening with my funds during this time? 
It is unacceptable for Coinbaseor any financial institutionto restrict customers from accessing their own money without clear communication or a fair timeline. I need answers, and more importantly, they should let me withdraw my funds back to my original payment method immediately. 

In addition to this, I have recently come across information that Coinbase disproportionately prolongs the account reviews of customers from certain nationalities. If this is true, it raises serious concerns about potential discriminatory practices. I would like to know if there is any investigation into whether Coinbase is unfairly targeting individuals based on nationality and whether this violates any consumer protection or anti-discrimination laws. 

I am requesting that your office look into this issue and hold Coinbase accountable for how they handle customer funds during these so-called reviews. I would appreciate a response as soon as possible, as this situation is causing unnecessary stress and financial inconvenience. 

Thank you for your time. I look forward to hearing from you soon. 

Best regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, D.C. XXXX Subject : Complaint Against Equifax for Inaccurate Reporting Under Section 607 ( b ) of the FCRA To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding the inaccurate reporting of my credit information, which violates Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

I have recently received a communication from XXXX XXXX XXXX  confirming that they have updated my account information and reported it accurately to all credit reporting agencies. This correspondence, which I am attaching for your review, indicates that my XXXX XXXX account was closed on XX/XX/XXXX, and the security deposit was applied to clear the outstanding balance, resulting in a {$200.00} credit on the account. 

Despite this update, Equifax removed my account from the credit report between XX/XX/XXXX, and XX/XX/XXXX. As a result, my credit score improved by XXXX points, reflecting an accurate representation of my credit history. However, the repeated inaccuracies and the failure to report my information correctly have severely impacted my ability to obtain loans and other credit facilities. 

This situation is unacceptable. Consumers like myself rely on the accuracy of credit reporting agencies to make informed financial decisions, and when companies like Equifax fail to report accurate information, it creates significant barriers to obtaining credit. It is imperative that the CFPB takes action against Equifax for their negligence and lack of compliance with the FCRA. 

I urge the CFPB to investigate this matter thoroughly and hold Equifax accountable for their actions. It is crucial for all credit reporting agencies to provide accurate, fair, and complete information to consumers. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and the action that will be taken against Equifax to rectify this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-02-08 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: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I did not authorize the company to run my credit, these inquiries are unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I did not authorize the company to run my credit, these inquiries are unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
XXXX XXXX XXXX - {$630.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX XXXX - {$1300.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX {$1600.00} : Attached themselves to my Credit Report Fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
XXXX XXXX XXXX - {$630.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX XXXX - {$1300.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX {$1600.00} : Attached themselves to my Credit Report Fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged a {$10.00} fee for not meeting the monthly requirements of a {$500.00} daily balance on XX/XX/year>. However, {$500.00} was deducted on XXXX meeting the requirement for that day. Regardless, I am requesting a one time courtesy of the {$10.00} fee to reimbursed and as a result of this, I want to close my account effective XX/XX/year>.

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
Consumer complaint received 2025-02-08 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: OneMain Finance Corporation
State: WI

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unauthorized Hard Inquiry by OneMain Financial To Whom It May Concern, I am writing to formally file a complaint against OneMain Financial for placing an unauthorized hard inquiry on my credit report without my knowledge or consent. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which strictly limits the circumstances under which a company may access an individuals credit report. 

Details of the Unauthorized Hard Inquiry : Company Name : OneMain Financial Date of Inquiry : XX/XX/year>, XX/XX/year> Credit Bureau ( s ) Affected : [ XXXX, XXXX, XXXX ] Impact on Credit Score : This unauthorized inquiry has negatively affected my credit score and my ability to obtain credit on favorable terms.

Legal Violations Under the FCRA : According to 15 U.S.C. 1681b ( f ), a company must have a permissible purpose to obtain a consumers credit report. Permissible purposes include : A credit application initiated by the consumer, A credit transaction involving the consumer, or A firm offer of credit under 15 U.S.C. 1681b ( c ). 

I did not apply for credit or services with OneMain Financial, nor did I authorize them to conduct a hard inquiry on my credit file. Therefore, this inquiry was made without a permissible purpose, violating my rights under the FCRA. 

Additionally, under 15 U.S.C. 1681n and 1681o, companies that willfully or negligently obtain a consumers report without authorization are subject to legal penalties, including statutory damages and attorneys fees. 

Requested Resolution : I respectfully request the CFPBs immediate intervention to : 1. Instruct OneMain Financial to remove the unauthorized hard inquiry from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Investigate whether OneMain Financial has engaged in a pattern of unlawful credit reporting practices and take appropriate enforcement action. 
XXXX. Confirm in writing that this matter has been resolved, and the unauthorized inquiry has been removed from my credit file. 

I have attached a copy of my credit report highlighting the unauthorized inquiry, along with any supporting documentation. If further information is required, please contact me at XXXX. 

Thank you for your time and prompt attention to this serious matter. I trust that the CFPB will take the necessary steps to protect consumers from unlawful credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates
State: PA

Complaint narrative:
I XXXX XXXX am formally disputing any and all debts that STAFFORD GROUP AND ASSOCIATE I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details.

2. The original purchase agreement between STAFFORD GROUP AND ASSOCIATE the original creditor, proving legal authority to collect this debt.

3. Proof that STAFFORD GROUP AND ASSOCIATE is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information.

STAFFORD GROUP AND ASSOCIATE has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Because of these violations, STAFFORD GROUP AND ASSOCIATE has no legal authority to collect or report this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items do not relate to any transactions I have made or have authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the fair credit reporting act, 15 USC 1681i, a copy of which is enclosed, i am requesting the items to be removed to correct the information. 

fraudluent inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year>

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