vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-21 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
Opened a account with Coinbase and earned to learn about crypto currency exchange etc. earned XXXX and XXXX XXXX and XXXX and others, so began purchasing and deposited money into account, also put XXXX into a vault, also put in money for XXXX XXXX before it came out, and now am unable to access my account and am told there's nothing left and I owe them money, I found an old statement from 2020 proves everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
the problem is that the capital one company tried to collect my payment of XXXX from my card on XX/XX/year> and it was telling me that they were not charging me, I asked them to charge me on XX/XX/XXXX and they also got an error but I called them many times and I was explaining to them that it was impossible that on my debit card from their same bank I had the money that I was paying them, nobody looked closely at what was happening and well they made many charges to the card that was closed until I asked a supervisor and she was the one who realized that I was paying with the old bank account by mistake, an account that I had closed because they were committing fraud on me, I called the company and explained but they only told me that they could not do anything, the difficult thing is that I have never stopped paying my bills and I have never missed a payment only that one that due to a confusion of mine and also of them for not reviewing the information well, the payment was being charged and it gave a balance Insufficient amount of the card that was closed, I think the closure is unfair because it is not that I have stopped paying for a month, or that I have not been calling them to solve the problem, and without further ado they make such a drastic and unfair decision, for an unfair and small reason that if they had done their job well and helped me it would have been resolved without further ado.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-21 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: TX

Complaint narrative:
I am writing to address a serious issue regarding a tradeline on my credit report that is not being reported with the maximum possible accuracy. It has come to my attention that the information associated with this account is incorrect, and it does not meet the standards required for accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
On XX/XX/year>, my email was hacked, and I had many of my online profiles infiltrated. The hacker also logged into the XXXX app & made XXXX identical {$650.00} fraudulent purchases using my debit card info. 

I saw this not long after & contacted Old National bank, & they closed my debit card & were able to stop 2 of the 3 purchases. I was given a provisional {$650.00} credit as they investigated. 

2 months later, I get a letter saying they found no error, the fraud was authorized, & they reversed the credit. The paperwork they initially sent me, says that the IP of the buyer, was in XXXX XXXX, CA... I live in Minnesota. Among other details, I called them & asked for a reevaluation & additional info, which they say is my right to do... but I was eventually told that the case was closed. 

From the info I received ; Old National tried a chargeback on the fraud.. but the XXXX store used, was clearly setup by the hacker. It's already been deleted, only had the XXXX {$650.00} item listed, & never had any contact details when I was online. I thoroughly checked all of this as I was quite angry & wanted to try find the hackers info myself; I found several names, including the name used on the fraud charge w/ my debit card... but I was told that these names were likely just more identity theft victims. Plus, I couldn't do anything w/ the info anyway..so I just waited for the banks investigation to finish. 

In my opinion, the bank simply tried a chargeback ; which would likely work if this was a transaction w/ an actual store. Unfortunately, this was an online shop quickly made by the hacker, so naturally the chargeback would not work. After that, I feel as if the bank stopped their investigation, as the XXXX address alone should be proof that the transaction wasn't made by me & thus wasn't authorized. I can proof my location at that time, that the fraud purchase never even shipped ( XXXXXXXX XXXX tracks shipping ), that I immediately tried blocking the fraud purchases, & anything else needed. 

I've also been looking into Federal Regulation E & am wondering why I wasn't covered, since this was fraud, online, using my debit card info. Unfortunately, the bank 's customer service is hard to speak with since none of them are apparently fraud-specific, & there's no option to transfer to that department. 

Thank you for reading my lengthy report & I'd be glad to clear up/confirm any details at all! 

~

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-21 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: PA

Complaint narrative:
I screen recorded a conversation with customer service in which they refuse to apply my payment to a specific promotional balance that was ending.

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 2025-02-21 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: LA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute to Equifax regarding inaccurate accounts on my credit report. The disputed accounts include : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX In my dispute, I cited 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) and referenced XXXX XXXX XXXX XXXX XXXX, requesting verification or removal of these accounts if they could not be validated. I also included a copy of my government-issued ID and a utility bill to confirm my identity and address. 

Despite being legally required to investigate and respond within 30 days, Equifax failed to provide any response. This is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies complete an investigation within the required timeframe. 

Equifaxs failure to respond is not only a violation of the FCRA but also a harmful delay in resolving inaccurate information on my credit report. Their inaction negatively impacts my financial well-being and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
I am a victim of identity theft I have been disputing a few collections on my credit report for some time. I attached the dispute letter, identity theft.gov letter and police report to my claim and experian claims they can not verify that it is with law enforcement. Refusing to abide by my rights to fair and accurate reporting. This is not fair to me as this negatively impacts my life by having these fraudulent accounts on my report And I noticed that every year the collection XXXX  gets removed it shows back up on my credit report. Which seems illegal Im so upset and in tears about this tedious process with the credit bureau ive reached out to the collections and have disputed the debt as well. Please help 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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc.
State: CA

Complaint narrative:
XX/XX/year> * date of transaction/enrollment I am writing to formally dispute my enrollment in the XXXX XXXX and request a full refund due to deceptive and misleading enrollment practices. 

I was led to believe that I had been selected for this program after taking an assessment test and undergoing a three-day interview process. The salesperson specifically stated that only a small percentage of applicants were accepted and that most people were turned away for not being the right fit. However, once I began the course, it became evident that the majority of students, as well as the so-called mentors, lacked the necessary qualifications to be either teaching or enrolled in a structured coding program. 

It is clear that I was manipulated into signing up through a bait-and-switch tacticbeing made to believe this was an exclusive, high-quality program when in reality, it did not meet the promised standards. This constitutes misrepresentation and deceptive business practices, which are both unethical and, in many jurisdictions, unlawful. 

Given these circumstances, I am requesting a full refund of the loan {$10000.00} as I was not provided with the quality education I was promised. I expect a resolution within a reasonable time frame, or I will be forced to escalate this matter through additional channels, including consumer protection agencies and payment dispute processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-21 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: TX

Complaint narrative:
I checked out my credit profile and realized there was some hard inquiries that are not mine.

Company response to consumer: Closed with explanation