vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Somehow there are six wire transfers from my XXXX XXXX account to coinbase and from coinbase to other XXXX XXXX, the first transaction happened on XX/XX/XXXX until XX/XX/XXXX the total amount of the transfer is XXXX and I lost most of my savings in it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
Hello Experian, I am writing this letter to you so you can carefully read my concerns on me being an victim of identity theft. I've recently purchased a report and noticed the fraudulent accounts listed in my name. I am very concern about these accounts and on how my information was so easy to access to get that many credit cards in my name. Ar this time I am asking that you review the letters below and be sure to reach out to me in 30 days 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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I entered into a hardship payment arrangement as my account was past due because of my recovery time from a XXXX. It was a 12 month arrangement that was scheduled to bring my account current by lowering the interest rate and a set payment of XXXX per month. I paid the arrangement to completion. The call center reps agreed they saw notes confirming this. The account showed as past due even after I communicated with the company to correct and at my last request for review to correct the issue instead of correcting their mistake they retaliated by charging off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
It was on XX/XX/XXXX I went to the XXXX XXXX emergency and I received a bill from cause my insurance company was not able to cover it.and I requested some support from the state.they paid everything out for the department and I still have to pay the {$1700.00} for XXXX  and I was unable so they reported me to the collection ( XXXX XXXX XXXX a division of XXXX, XXXX ) they were keep sending letters to my new address.since the collection was really destroyed credit I was even unable to an apartment or car rent I requested to the state if they can help me, after a day I received a notice from the state where the amount was reduced and I had to set up a payment plan for that. I started paying biweekly and I stopped to {$640.00} or {$630.00} without paying that so the amount was reported to my credit report with ( MBA LAW ) So at the end of XXXX of the year the company ( MBA LAW ) called me they had a proposition for instead of paying the full amount ( {$640.00} ) I have to {$340.00} and the collection will be removed from my account I agreed and I gave them my XXXX  card so they set up the payment on the next coming Friday ( XX/XX/XXXX ) And after talking to them the company sent me a confirmation letter to make sure if it was me. So on the date that weve agreed for the payment they received money at XXXX XXXX  After two weeks the collection was removed from my account. 
But I was surprised to the XXXX XXXX XXXX reported the same amount of {$1700.00} to my credit score.on XX/XX/XXXX. 
Also on XXXX XXXX I first called them they were trying to make some business by asking my credit card to set up payment. 
Cause my English they were keep lying to me. 
So I went to web site find their email address I sent them an email including the letter from MBA LAW as an evidence of my payment And I told them that Im going to report them if they want to mess up with my life here. 
They texted me back by saying the amount was reported by XX/XX/XXXX from XXXX  I explained them like I explained to you guys. 
She asked me the picture of the bill included the letter from MBA LAW. With my last four social numbers Until now nothing changed, they keep reporting the amount on credit report which infecting life here, I cant do anything else And I dont where else to go or report. 
Please do help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I can not unfreeze my Transunion Credit Report the same day that I am requesting it online through my account anymore. It use to work for years up until earlier this year. The same message I have been receiving all year is an error page saying all 3 of these : The credit freeze service is temporarily unavailable.

An error occurred when we tried to perform the action you requested. Rest assured, were working on the problem and expect things to be back to normal soon.

We are experiencing very high call volumes right now. 

The process has worked well for years but starting earlier this year it wont let me unfreeze it on the same day that I request the unfreeze. The only work around is I have to request the unfreeze for a future date and not the current day, then it magically works fine after denying my same day request. It is incredibly disruptive and annoying when trying to conduct any type of business that was not planed out a day ahead. 

Neither of the other 2 Credit Bureaus have this problem and can do same day unfreezes immediately once submitted

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 2024-09-13 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$18000.00}

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. It is unclear when this account was charged off because different dates were reported. And this account has repeatedly been updated as a charged off every month. This is an update in the payment history and a charged off account should only include an active payment history. This inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. It is unclear when this account was charged off because different dates were reported. And this account has repeatedly been updated as a charged off every month. This is an update in the payment history and a charged off account should only include an active payment history. This inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX 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 2024-09-13 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: MA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section XXXX you are required to remove these items listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

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 non-monetary relief
Consumer complaint received 2024-09-13 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$18000.00}

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 non-monetary relief
Consumer complaint received 2024-09-13 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This account is too old to be on my credit report its against the federal law to still have this on my report I was affected by the XXXX disaster was unable to pay any of my bills. My financial status had changed. several times to disputed of my credit report, I even contact the original credit to to see if they could have help, but was unable to succeed XXXX XXXX XXXX  sold this account to LVNV Funding LLC And I keep filing complains against this company to have this account removed off my credit report Im keep getting emails and calls from them I asked them several times to stop with the unwanted phone calls!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: DE

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$540.00}

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the provision of Section 611 of the Fair Credit Reporting Act ( FCRA ), I am within my rights to seek and obtain method of verification pertaining to the aforementioned dispute. 

As such, I kindly request that you furnish the following particulars regarding the disputed items - XXXX XXXX / XXXX # XXXX {$480.00} XXXX XXXX XXXX # XXXX {$8900.00} 1. Identification and contact details of the original creditor including their name, address, and telephone number.

2. Name of the individual with whom the dispute was verified.

3. Documents or other forms of proof that were used to validate the dispute.

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 2024-09-13 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: FL

Complaint narrative:
Unauthorized hard inquiries To whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. ) XXXX XXXX dates XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6. ) XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX,XX/XX/XXXX, 8, ) XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX 9. ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 10. ) XXXX XX/XX/XXXX,XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-09-13 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Reviewed credit and information is believed to be inaccurate financial information about me. I have not taken a loan to my knowledge, sent letter via us mail as well as disputed with credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: TX

Complaint narrative:
I am writing to formally dispute the debt you are attempting to collect, as I am not responsible for this debt. I contacted XXXX XXXX XXXX multiple times and explained that the insurance company had already sent a check to them. At my request, the insurance company resent another check, which XXXX XXXX XXXX failed to collect, resulting in the check being forwarded to XXXX unclaimed property. 

On XX/XX/2023, I received a letter from XXXX XXXX XXXX. Following that, the insurance company contacted XXXX XXXX XXXX by faxing the explanation of benefits ( EOB ). On XX/XX/2023, I formally disputed this claim, giving the EOB and payment for the deductible that I owed. According to my dispute, XXXX collected the check. Furthermore, per the attached XXXX letter, collection efforts should be stopped until they send new information, and no such information has been sent to me. Since XXXX has already collected the check and there has been no further communication since XX/XX/2023, it is an indication that XXXX has closed the collection. 

Please find attached the following documents for your reference : XXXX  Letter The dispute letter I sent to XXXX. 
The explanation of benefits from the insurance company. 
The check I sent and confirmation of its processing. 
Given these facts, I respectfully request that you cease any further collection efforts related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NV

Complaint narrative:
i move from XXXX XXXXXXXX XXXX  to XXXX XXXXXXXX XXXX and fil out for a apartment an was denied do to a collection from XXXX. XXXX & XXXX for XXXX dollars for a gas bill i never had this is inaccurat infomation an need XXXX be remove off my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet has continued to intentionally and willfully Report Incorrect, False and Negatively Impactful Late payments to the 3 National Credit Bureaus. I have contacted Nelnet Student Loan Services numerous times including XX/XX/XXXX, the servicer had once again wrongly reported to XXXX, XXXX XXXX and XXXX and they did nothing to fix and/or correct the incorrect/damaging information they reported. Not only that, Nelnet had prior documentation that I was receiving Government Public Assistance, which automatically qualifies Student loans to be placed in a Forbearance/Deferment and they have refused to follow the requirements and laws they are bound by. This has had a TREMENDOUS negative impact on my Credit. It has caused a EXCESSIVE AMOUNT of damages and Nelnet needs to be held accountable. Nelnet has choose to ignore this matter and now I need the CFPB to step in. This has dropped my Credit Score tremendously and have negatively harmed my abilities to justify Credit Worthiness. 

The Federal Government has passed the On ramp which concludes on XX/XX/XXXX marks the official end of the Student Loan On-Ramp, a period in which student loan borrowers were protected against the more severe consequences of missed federal student loan payments.

During the COVID pandemic, federal student loan payments and crucially interest charges were paused for nearly three years. When the pause ended, there was a historically unprecedented return to payments for XXXX XXXX Americans. To ease the transition, an On-Ramp period was implemented. Consequences for Late and Incomplete Payments If borrowers missed payments or made partial payments during the On-Ramp period, interest continued to accrue on their loans but were not reported as delinquent to credit bureaus ( with the aim of easing the transition for those who missed payments over the last year. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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