vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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:
Coinbase. 

I used this system to transfer some crypto from XXXX. Then I went and converted it to USD. Then, my phone number was hacked, based upon the obscene amount of text messages I received, so I recently changed my number. I have tried several times to get their " customer service '' to address the issue, with NO success. I have {$50.00} in the account, and all I want to do is withdrawl this money, but I am caught in an XXXX loop in which their lack of customer service to address the issue has me in a loop, I suspect intentionally, in order for me to NOT use that money. 

By the way, the reason for the money transfer was because of a SCAM using online work as the pretense for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX 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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Request for Debt Validation, and original purchase agreement To whom it may concern, I am writing in response to your recent communication regarding the debt you claim I owe XXXX XXXX, I am requesting that you provide me with a validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt, including any interest, fees, or other charges.

2. The name of the original creditor and a statement that you are authorized to collect the debt on their behalf.

3. A copy of the original signed agreement or other documentation that shows I am legally obligated to pay the debt.

4. A detailed payment history showing how the debt balance was calculated, including any adjustments or payments made.

5. Original purchase agreement.

Please be advised that, under the FDCPA, you must cease collection activities until you provide the requested validation. If you fail to provide adequate validation, I will consider this debt invalid and dispute any claims made.

Thank you for your prompt attention to this matter. Please send the requested documentation to my address above. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently to open or manipulate accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 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: IL

Complaint narrative:
My credit report contains incorrect personal details, and as a result, an unknown and inaccurate account have appeared. This account is not mine and is impacting my credit standing unfairly.

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 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I contacted HSBC about 3 weeks ago to make a one off lump sum payment and the process to do this. We wished to keep the mortgage term the same and reduce our monthly payments. After several phone calls and emails I was told that I could only keep the mortgage term the same if I paid {$300.00} to the bank to re-calculate the interest payments. The mortgage agreement allows me to pay lump sums penalty free. There is no disclosure of this hidden fee in the mortgage agreement or on the HSBC website. I asked for the fee to be waived which HSBC have refused to do. I believe that this fee is being unfairly charged as it is not disclosed anywhere publicly and HSBC are involved in deceptive practices regarding their mortgage business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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 request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-12-16 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 request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-12-16 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:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: SC

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-16 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-12-16 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-12-16 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} - late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX late/Open XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$2500.00} - Late/Open XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open

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 2024-12-16 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: VA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: VA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit score was lowered after I unlinked my banking accounts on Experian website. Experian never explained why they lowered my credit score

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CO

Complaint narrative:
Initially I my discrepancy was with a merchant that is hosted on Afterpays platform. I purchased goods through afterpay and paid off the buy now, pay later service of it few weeks later. I was 3 weeks after purchase, there were no shipping updates on my purchase, so I emailed merchant asking to cancel order, as I didnt realize order would take this long to complete, along with me moving to new address and wanting to avoid forwarding packages. Merchant, still couldnt provide any shipping updates and didnt want to cancel order. I waited 2 more weeks, hoping for atleast an update on my order and still never got one. At this point, I am not happy with merchant as we are on 5-6 weeks later and no updates on my order, and due to poor communication, poor business practices, no updates on shipping, my only resolution is was to cancel my order and request refund. Merchant offered partial refund, I did not agree. At this point, I filed a dispute with Afterpay. The merchant contacted me gaslighting me, by mentioning he was going cancel and do a full refund until I did the dispute. Afterpay did an investigation and determined nothing wrong, which is a joke itself because merchant took pics of products that wasnt even mine to seem like my order was ready. All Afterpay has done is try to pass the buck to the merchant. No accountability or responsibility for a merchant who is hosted on there platform. Still as of XX/XX/year>, I have not received product or shipping updates and purchase was made XXXX. At this point, I am very disappointed in Afterpay and how they handled this issue. I am a XXXX XXXX XXXX XXXX veteran who does not deserve to be taken advantage of by merchant or Afterpay. Only acceptable resolution is for me to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
Subject : Follow-Up Dispute DEPT OF EDXXXX  ( Account Ending in XXXX ) Dear Experian Dispute Department, I am following up on my previous dispute regarding the Dept of Ed/XXXX account ( Account Ending in XXXX ), under report number XXXX. Although you have updated the account, the reported information remains inaccurate and inconsistent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Ongoing Inaccuracies and FCRA Violations 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : The account reflects a 90-day late payment for XX/XX/year>, yet there is no prior 30-day or 60-day late payment. This is illogical and inconsistent, violating the standard reporting sequence.

2. Conflicting Updates Post-Dispute : Despite the reinvestigation, the payment history conflicts with your prior reporting. The updates are unclear, and Experian has failed to ensure maximum possible accuracy as required. 
3. Failure to Provide Verification ( 1681i ( a ) ( 1 ) ) : The inaccuracies persist, yet no documented verification supporting the reported late payment was provided during your reinvestigation.

4. Account Status Misleading : While the account shows Open and Current in recent months, the 90-day late payment from 2018 continues to label the account negatively, creating misleading information.

Requested Actions 1. Reinvestigate and Verify the XX/XX/year> XXXX late payment. 
2. Correct or Delete the late payment if proper verification can not be provided.

3. Provide me with written documentation from the furnisher supporting the accuracy of the reported information.

4. Ensure all updates reflect accurate reporting, or remove the account entirely if verification can not be obtained.

Supporting Documentation 1. Experian dispute results under report number XXXX. 
2. Screenshots of before and after payment history discrepancies.

3. My identification documents : Drivers License Social Security Card Proof of Address Your Responsibility Under the FCRA As mandated by the FCRA 1681i ( a ), Experian must : Conduct a thorough reinvestigation within 30 days. 
Delete or correct unverifiable or inaccurate information. 

This ongoing inaccurate reporting has caused harm to my creditworthiness, and I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies for damages under the FCRA if not resolved. 

I appreciate your prompt attention to this matter and expect confirmation of resolution within the required timeline. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN 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