vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am unable to access my TransUnion report online or through annual credit report.com. Subject : Dispute Against TransUnion for Denial of Access and Reporting Violations. 
I am submitting this complaint against TransUnion due to the following issues : 1. Denial of Access to Credit Report : I am unable to access my TransUnion credit report either online or through XXXX. This lack of access has significantly hindered my ability to monitor, manage, and dispute inaccuracies on my credit report, causing harm and stress. 
2. Reinsertion of XXXX Account Without Notification : TransUnion unlawfully reinserted a XXXX XXXX XXXX account into my credit report without notifying me within the required 5-day period as outlined under the Fair Credit Reporting Act ( FCRA ).

3. Errors in XXXX XXXX XXXX  Account Reporting : I am unable to adequately dispute inaccuracies on my TransUnion report regarding a XXXX XXXX XXXX  account. This account is : Not reporting any payment history. 
Showing an incorrect payment history code. 
Displaying an incorrect date of last activity. 

XXXX. Requested Resolution : I respectfully request that TransUnion : 1. Provide immediate access to my credit report online and through XXXX to ensure I can manage my credit properly. 
2. Investigate and remove the XXXX XXXX XXXX account due to failure to comply with FCRA reinsertion notice requirements. 
3. Reinvestigate the XXXX XXXX XXXX  account, update or correct all errors, and ensure it reflects accurate information regarding payment history, account payment history codes, and the correct date of last activity. 
4. Provide written confirmation of all actions taken to resolve this dispute. 

XXXX. Supporting Details : TransUnions failure to provide proper notice for reinsertion of the XXXX account violates FCRA Section 611 ( a ) ( 5 ) ( B ). 
The inability to access my credit report violates my rights under the FCRA to review and dispute inaccurate information. 
The inaccurate reporting of the XXXX XXXX XXXX  account has further impacted my credit profile and ability to apply for credit. 

Please address these issues promptly as they are causing me harm and infringing upon my rights as a 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 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
On XX/XX/XXXX, I could not access my funds on Coinbase due to repeated failures in their identity verification process. Despite entering my correct information, including my name, address, and ssn, the automated system failed to verify my account and prompted me to try again multiple times before locking me out for 24 hours. 

I find it suspicious that Coinbase decided to freeze my funds at a time when the crypto market saw a very large sell-off, almost like they were trying to stop me from withdrawing my own money. 

I contacted Coinbase support, and they requested additional documents, such as a utility bill or bank statement. However, I do not have access to these specific documents. I provided alternative forms of verification, including a credit union statement and my ssn, but these were denied. 

This situation has left my funds inaccessible, totaling approximately XXXX XXXX Coinbase 's verification process is faulty, as it fails to recognize correct information, and their support has not provided a workable solution. This has caused significant stress and financial inconvenience. 

I am seeking immediate assistance to access my funds, either through a resolution of the verification process or an exception allowing alternative documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
My information has been exposed of a data breach recently of one of the 3 biilion persons. To whom this nay concern sincerely. Please consider this a formal request to investigatea and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request to pursuant 15USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you verify each on of these items, and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
In XXXX XXXX I reviewed my installment loan to determine what the remaining balance was. When I logged on to check the balance and then make a payment, I noticed the outstanding amount showed as though there were XXXX missed payment and the account was in current status. Upon calling Upstart on XX/XX/XXXX, I spoke with a XXXX and she provided me with as much info as possible, but was unable to articulate what the balance consisted of. I was made aware that the loan wouldnt mature on XX/XX/XXXX due to a 60 day COVID deferrment which I agree with. However, I asked as to why the remaining balance still showed as though there were additional missing payments. She stated taht she would have someone review and return to me with a response. Fast forward to XX/XX/XXXX and I get an email that basically stated the same thing the young XXXX XXXX on XX/XX/XXXX. It still didnt give me any details. So I called in on XX/XX/XXXX to discuss with someone and another XXXX, XXXX, answers. He initially tries to assist me. Then details that its daily interest. I ask for more substantive details and whether a copy of the loan docs can be provided to me via email since on XX/XX/XXXX I had an issue retrieving them from the online portal. He proceeds to get frustrated and tell me thats where the docs are and I continue having to articulate that I had an issue retrieving them which is why Im asking him if he can facilitate the request. XXXX proceeds to get upset and then use choice words; telling me that he wont provide the docs to me and that im a habitual late payer, so forth and so on. As he became unhinged, I proceeded to record his ranting. He then hangs up on me. I requested the documentation because there has to be substantiation as to why if no payments have been missed, regardless of whether paid late or not, taht there would be interst in the amount of an additional 3 payments. And they should be able to articulate any and all balances as well as provide substantive evidence supporting such to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: KS

Complaint narrative:
Credit card swipe charges : There is not just 1 credit card company that charges 3-10 % its numerous. Consumers as well as merchants are being charged an outrageous amount when using various bank debit and credit cards for purchases. Recently we've paid 3.5 % at our county courthouse when using our bank debit card. Fortunately I had enough cash to cover the {$28.00} for the renewal. This is happening everywhere as small businesses can not easily recoup the charges so it goes on to the consumer. Recently we purchased a new dryer, if we would have used our debit card, there would have been a 4 % charge added for the swipe fee. We purchased new tires for a vehicle, again, 4 % charge to use the debit card. Fortunately with both, we wrote checks to avoid the charge. 
Now seriously what is this fee for and who does it go to? If you consider a full day of business sales, and most consumers use debit or credit cards, each purchase is charged 3.5 - 10 %? They are making in millions of dollars a day. Come on, why has nothing been done about this? For credit cards, consumers pay an outrageous amount for interest fees ( if there is a balance month to month ), is that not enough? Big box stores are paying way less than small businesses also. Whats up with that? 
Please put some focus on this issue. Paying with cash is not the answer. I don't believe when paying cash all businesses claim cash purchases. XXXXXXXX XXXX will not take cash so you really have no choice to pay with debit or credit card + this swipe fee. This is just a horrible thing that is happening to the consumers. 
Again, please put some focus on this! We the people need a break from this nonsense. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
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
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-12-19 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: NY

Complaint narrative:
Why do you still have inaccurate personal information on my credit file? I was denied insurance because my birth year is incorrect at Equifax! 

XXXX, XXXX, and Equifax please make sure you have my correct name and address. 


Please fix this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Transunion for their failure to properly address my dispute regarding inaccuracies on my credit report. 
On XX/XX/2024, I sent a dispute letter to Transunion via USPS certified mail, tracking number XXXX. In this letter, I outlined all inaccurate items and incorrect personal information appearing on my credit report. To facilitate Transunions verification of my identity and address, I included copies of my photo ID, Social Security card, and a recent bill reflecting my current address. 
According to USPS tracking, my dispute letter was delivered to Transunion on XX/XX/2024. Despite my clear and detailed request, I have not received any response or investigation results from Transunion. The 30-day response period required under the Fair Credit Reporting Act ( FCRA ) has now passed without any communication or action from Transunion. 
The FCRA explicitly mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine the validity of the disputed information. Transunions lack of response indicates a violation of my rights under the FCRA.

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 2024-12-19 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have received late payment on my account and I was never late. I am attaching the screenshots of my payments to show that I was never late. Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-12-19 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-19 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:
This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15USC 1681 C-2 ) that you, the 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 consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts and fraudulent names have resulted in fraudulent collections and fraudulent hard inquiries appearing on my Consumer Fico Credit Report. I do not recognize the aforementioned accounts, collections, or hard inquires 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. 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 number XXXX as proof from the US Federal Trade Commission that the aforementioned Consumer Credit accounts, collections and hard inquiries are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief