vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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:
Subject : Dispute of Inaccurate and Potentially Fraudulent Accounts on Transunion Credit Report Dear CFPB, I am writing to formally dispute the following items reported on my Transunion credit file. These accounts and inquiries are either inaccurate, unverified, or potentially linked to a data breach affecting my personal information. I request that these accounts be thoroughly investigated and, if found unverifiable or erroneous, removed from my credit report immediately. 

Disputed Accounts : 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 Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate or unverifiable information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), Transunion is obligated to ensure the maximum possible accuracy of the data they report. 

Given the recent national data breach affecting credit-related institutions, I believe some of these accounts were fraudulently opened or inaccurately reported. 

Attached is my Transunion Consumer Report. 

Thank you for your immediate attention to this matter. I request confirmation once your investigation is complete and action is taken. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NerdWallet, Inc.
State: CA

Complaint narrative:
On XXXX I was notified that my account was frozen because they were made aware of suspected fraudulent activity on my account. I reviewed my account and there is no fraud. I paid my account off. On XXXX still unable to use my account, I emailed NerdWallet credit card support stating that they never requested any input from the consumer regarding suspected fraud and there was none. I also chatted a separate time and was told they had to complete their investigation. It is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection. 

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account. 

Please confirm receipt of this letter and respond to my request within 30 days to avoid further action on my part. I appreciate your prompt attention to this matter.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection. 

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account. 

Please confirm receipt of this letter and respond to my request within 30 days to avoid further action on my part. I appreciate your prompt attention to this matter.

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 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2024-12-01 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: OH

Complaint narrative:
I requested a 1099c I requested a validation of ownership and was the company bonded in the state of Ohio No reply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TX

Complaint narrative:
upon review my credit report, i found multiple accounts on my report that i have no knowledge of and didnt authorize.. ive disputed these accounts with the credit angencys along with sending in copys of my ID theft report, yet these accounts still remain on my credit report, below listed are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
upon review my credit report, i found multiple accounts on my report that i have no knowledge of and didnt authorize.. ive disputed these accounts with the credit angencys along with sending in copys of my ID theft report, yet these accounts still remain on my credit report, below listed are the accounts in question : XXXX XXXX ( XXXX ) date opened : XX/XX/2015

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 2024-11-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-01 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: CT

Complaint narrative:
I would like these account to be remove so my credit report can update accurately ACCOUNTS XXXX XXXX XXXXXXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against Equifax and XXXX XXXX XXXX XXXX for violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq. 

Issue : The account in question, a XXXX XXXX XXXX XXXX installment account, has been reported on my credit file by Equifax as " charged off '' but simultaneously reflects an outstanding balance of {$9600.00}. This reporting practice is in clear violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy in the information contained within a consumer report. 

A charge-off designates the account as a loss for the creditor, written off for profit-and-loss purposes, and no longer considered collectable. However, it is inconsistent and misleading to maintain both a " charge-off '' status and an outstanding balance simultaneously. The reported status creates an inaccurate and unfair representation of my financial position.

Additionally, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( in this case, XXXX XXXX XXXX XXXX ) have a duty to provide accurate information to credit reporting agencies. By reporting a balance on a charged-off account, XXXX XXXX XXXX XXXX has violated this statutory requirement.

Moreover, under 15 U.S.C. 1601, th
e Truth in Lending Act requires accurate disclosure of terms and obligations in credit arrangements. This misreporting may also lead to violations of TILA by failing to clearly delineate the status and financial obligations of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Citibank for unlawfully denying my application for credit in violation of federal laws, specifically : The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 The Truth in Lending Act ( TILA ), 15 U.S.C. 1602 and 1611 XXXX XXXX XXXX XXXX XXXX XXXX, 12 U.S.C. 1431 Issue On XX/XX/year>, I applied for credit with Citibank and was subsequently denied without an adequate or legally valid explanation. Citibanks decision to d

eny my credit application appears to be in direct violation of the ECOA, which prohibits creditors from discriminating against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance ( 15 U.S.C. 1691 ).

Additionally, the ECOA and its implementing regulation, 12 C.F.R. 1002.9, require creditors to provide a specific reason for a denial of credit in a timely manner. Citibank either failed to provide an explanation or provided an insufficient explanation that does not comply with these legal standards. 
Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1602 ), Citibank is obligated to disclose credit terms transparently and in good faith. Denying credit without valid reasoning undermines my rights under this statute and suggests non-compliance with 15 U.S.C. 1611, which prohibits creditors from knowingly failing to provide accurate disclosures or following legal obligations.

Legal Basis 15 U.S.C. 1691 ( ECOA ) : This provision prohibits discrimination and mandates clear, timely communication of reasons for credit denial.

12 C.F.R. 1002.9 : Requires creditors to issue a written statement detailing specific reasons for denying credit or informing the applicant of their right to request this information within 60 days.

15 U.S.C. 1602 & 1611 ( TILA ) : These provisions ensure that lending practices are conducted transparently and that any denial is justifiable and communicated effectively.

12 U.S.C. 1431 : This section governs federal oversight of lending practices and ensures that financial institutions operate in compliance with public and consumer protection laws.

Harm Caused The denial of credit has caused significant harm to me, including : Inability to meet my financial needs and goals due to lack of access to credit. 
Adverse effects on my creditworthiness and potential opportunities for future credit. 
Emotional distress and financial hardship as a result of being denied without proper justification.

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 2024-11-30 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:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I purchased the prepaid visa from XXXX on XX/XX/year> and vanilla gift card ( INcomm ) blocked the gift card from using anywhere in store and online for unknow reason to me, I contacted customer service at XXXX on XX/XX/year> and they gave a case XXXX XXXXXXXX and said take 7 to 14 business days to process upon receive my driver license, receipt, gift card info and utility bill, I emailed all to them same day and they acknowledged that they received and I called after about 3 weeks and no update but they promised to send the replacement asap, I waited again till XX/XX/year> and called again, and they said they are going to escalated the case and send it out within 48 business hour plus mail time ; I contacted them by email on XX/XX/year> and no reply at all from company about the card or update, I called XX/XX/year> at XXXX again and spoke with a rep and they said no any update on case, and supervisor said he is going to escalate the case again but i had to call back to get update after another 14 business days, i politely asking him to follow up and help me since this is not a dispute ( no one used my card ) and he refused. 

I know its not employees fault, its company purposely make it difficult so many people give up. I want the Incomm Financial Service to issue me the refund check of {$540.00} asap before i take the case to small claims court. 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: SC

Complaint narrative:
I contacted the credit bureau to remove these 4 inaccurate accounts on my credit report. They have not responded back to my request. I would like for these inaccurate accounts to be removed from my credit report immediately. They are violating my rights and hurting my ability to obtain credit. I asked for these accounts to be blocked and deleted. 

XXXX {$750.00} XXXXXXXX XXXX {$890.00} XXXXXXXX XXXX {$950.00} XXXX XXXX XXXX {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I received an email from Coinbase requesting documentation to verify my identity and salary. I acknowledged the email, but shortly afterward, Coinbase restricted my account, preventing me from selling my electronic wallet funds or purchasing additional assets. 

In response to their request, I submitted the required documents on XX/XX/year>, including six months of bank statements, tax returns, W-2s, and a description of my profession. However, on XX/XX/year>, Coinbase replied, asking for further proof that my income solely comes from employment. In reply, I resubmitted my W-2s and tax returns. Additionally, I provided employment letters from my office confirming my income and current job status. 

Despite this, on XX/XX/year>, Coinbase reiterated the same request, so I again submitted my tax return and W-2 forms. On XX/XX/year>, Coinbase responded yet again, asking for more proof of employment income. I provided the same documents once more. 

On XX/XX/year>, I received another response, this time asking about my wife since she is listed on the joint bank account associated with my Coinbase account. However, she is not relevant to the verification process. I have reviewed Coinbase 's guidelines on the qualifications for a source of funds and have already submitted the requested documents three times.

Unfortunately, their responses have been delayed by a month each time, and communication has been entirely via email. I have also tried reaching out through their online chat feature, but was informed there was a XXXXminute wait time. There is no option to speak with a representative by phone, leaving me without a clear resolution.

Company response to consumer: Closed with monetary relief