vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2900.00}, XXXX XXXX XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a second request to have unauthorized inquiries removed from my credit report. The inquiries are from " XXXX XXXXXXXX '' on XXXX and XXXX, as well as " XXXX XXXX '' on XXXX. These inquiries were not authorized by me, and the company has not provided proof of authorization as required under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681b ( c ), credit reporting agencies must have my consent before allowing an inquiry.

Ive given them 20 days to resolve the issue, as required by the FCRAs timelines for disputing inaccuracies. If they dont remove these unauthorized inquiries or provide proof of authorization, I may take further legal action under 15 U.S. Code 1681n, which allows me to seek damages for their noncompliance.

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase allowed two transactions and then withheld my money after successful transaction completion.

Coinbase refuses to discuss the matter and has stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX has repeatedly ignored my disputes and failed to comply with the Fair Credit Reporting Act ( FCRA ), including violations of 15 U.S.C. 1681i for not conducting a reasonable investigation and 15 U.S.C. 1681e ( b ) for failing to ensure maximum accuracy. These actions have caused me financial harm, emotional distress, and reputational damage. Despite submitting evidence, XXXX continues to report inaccurate information, leaving me no choice but to seek damages under 15 U.S.C. 1681n and 1681o. I request the CFPB to intervene and enforce compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : 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 It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
I have done a mistake of only credit card utilisation of 99 % which is already my secured credit card but My credit bureau " Experian '' has been updated XXXX in my credit report & my all going XXXX is on time & recently I already cleared a successful loan of my account. Is it a way to update credit report. Totally fake upgradation on Credit report by " Experian ''.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX a complaint was filed with the CFPB in regards to my account being debited from XXXX of XXXX. My documents have clearly showed that I should not have had my account debited for XXXX. I was issued a provisional credit and then it was reversed XXXX. They claim they have attempted to reach out to me. I have called the representative several times with no return call. I am then issued a credit of XXXX, listed as an adjustment, not provisional credit. It was then deemed to be denied once again and reversed. My account has been over drafted several times over from U.S. bank, not only with letting a transaction go through of XXXX when I clearly did not have the funds available to cover the transactions but then continuously charging me over draft fees of {$35.00}. I have since then put a lock on my card and U.S. Bank still continues to let transactions go through, the proof is in my two previous complaints. At this point I will be seeking legal council and starting a class action lawsuit. Regardless over the dispute, you are allowing my account to run when I have a clear block on it to avoid any other over draft fees. I never enrolled in overdraft protection, that was something US Bank automatically put on my account. 

XXXX to respond to this statement " On XX/XX/XXXX, we initiated a fraud claim on a transaction with XXXX in the amount of {$920.00}. On XX/XX/XXXX, we issued provisional credit to your account, credited {$140.00} in associated fees, and mailed you the enclosed letter. Please note, provisional credit is issued with the understanding that if your claim is denied our provisional credit will be reversed. Enclosed is your XX/XX/scrub>XXXX XXXX  XXXX Checking statement for your records. '' US bank never issues me a provisional credit of {$140.00}. The {$140.00} came directly from XXXX not US bank. This is a clear lie.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-21 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: Self Financial Inc.
State: VA

Complaint narrative:
This account self has verified in a previous dispute that it was reporting accurate and provide a timeline and more In the complaint and again VERIFIED it was accurate which I will provide below. Recently I pulled all three reports and it shows that SELF Is reporting inaccurate on all three. Since self verified they were reporting accurate on their end its fait to say this account already went under investigation as they responded and provided information in regards to their finings. I am requesting that this account be removed from credit reporting agencies. They are reporting different and inaccurate. They have ate on some days and other days they don't. I immediately went from current to XXXX ays late XXXX ays apart an other inaccuracies I can point out but again they verified to be reporting correctly ... which they have not. 
I was denied due to this account on a previous application I did and I am requesting statutory damages an other due to the unfair treatment provided by information they are reporting. They also failed to comply with the far law in regards to the inaccurate reporting and car law regarding late payments as I provided and requested removal. If any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs. I am requesting this per inaccuracy found if not remove from my report. I will list ll three accounts an how they are reporting along with their response of the accuracy ..willfully knowing they reported inaccurate and showing different on three credit reporting agency report. Below you will fin XXXX reporting self, XXXX reporting self, an transunion, reporting self they all show different information,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: NC

Complaint narrative:
On XX/XX/year> a disputed was filed for XXXX and XXXX to correct inaccuracies on credit files. On XX/XX/year> on Credit Karma website a dispute was also filed due to hard inquiries, 2 closed accounts ( XXXX XXXX ) that are unknown accounts that I do not own. 

On Credit Karma website states a dispute does not change score. Within hours my credit score was dropped and stated XXXX dropped score and this is why it changed on credit karma. After logging into XXXX I seen that there was no change in XXXX site only on Credit Karma. 

Credit Karma is in violation of FCRA : 15 USC 1666d 1. Violations of the Fair Credit Reporting Act ( FCRA ) Under Section 604 ( a ) ( 3 ) ( A ) of the FCRA, it is unlawful for any credit reporting agency or bureau to report inaccurate or incomplete information on a consumers credit report. Specifically, accounts that have been charged off and are no longer active should not display open balances. The FCRA mandates that all credit reporting must reflect accurate, up-to-date information about the consumers accounts. Since both of these accounts have been closed and charged off, it is unlawful for them to still show open balances.

2. Inaccuracy in Reporting Closed Accounts The practice of continuing to report open balances on closed, charged-off accounts violates both the FCRA and other consumer protection statutes that require accurate credit reporting. Under FCRA Section 605 ( a ), negative information such as a charge-off is only allowed to remain on the report for a limited time ( typically seven years ), and only if the information is correct and reflective of the actual account status. In my case, the ongoing reporting of these charged-off accounts with open balances is an inaccurate reflection of the current status of these accounts.

3. The Inaccuracy of Reporting Charged-Off Accounts Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), it is illegal to report accounts that have been sold, transferred, or charged off as still being active or open when they are not. XXXX  sale of my account to XXXXXXXX XXXX does not mean that the account should remain open or continue to show a balance. The status should reflect the final charge-off and XXXX balance as a result of the sale. 
4. The Legal Requirement for Accurate Reporting The Consumer Financial Protection Bureau ( CFPB ) also mandates that all consumer information reported to credit bureaus must be accurate and timely. The ongoing misrepresentation of these accounts as having an open balance, despite being charged off, creates false information about my financial history, which can lead to unwarranted harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I can not get ahold of XXXX or equifax on the phone. I just simply want to dispute my credit report because the last transaction was refunded but after my statement date passed. I need a retroactive adjustment to my balance. They used the wrong information to adjust my credit score. That transaction took me from 4-19 % usage which lowered my credit score when it should only be 10 % usage because the transaction was refunded.

I can not get them on the phone. The automated service ai voice prompt they use studders and glitches. I also get 2 different voices when calling. I don't know what to do. I can not get ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I can not get ahold of XXXX  or XXXX on the phone. I just simply want to dispute my credit report because the last transaction was refunded but after my statement date passed. I need a retroactive adjustment to my balance. They used the wrong information to adjust my credit score. That transaction took me from 4-19 % usage which lowered my credit score when it should only be 10 % usage because the transaction was refunded. 
I can not get them on the phone. The automated service ai voice prompt they use studders and glitches. I also get 2 different voices when calling. I don't know what to do. I can not get ahold of them.

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 2024-12-21 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: MA

Complaint narrative:
I discovered several unauthorized inquiries on my credit report and have formally disputed them, requesting their removal. Despite my prior efforts to resolve this directly with some of the creditors involved, I received no responses or documentation verifying my authorization for these inquiries. 

The inquiries I am disputing include : 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure that the information on my credit report is accurate and verifiable. Since these inquiries can not currently be proven as authorized, they must be removed immediately as required by 15 U.S. Code 1681i ( a ). 

Additionally, I requested a specific investigation into the inquiry from XXXX XXXX dated XX/XX/year>. Despite my attempts to contact this entity, they failed to respond within the required timeframe. I asked for verification of its validity, and if it is found to be unauthorized, I demanded its removal. 

If any of these disputed inquiries are determined to be valid, I asked for a detailed explanation of the investigation procedures used and the identity of the party who authorized the inquiry. I also expect a response within 15 business days after the investigation 's conclusion, as outlined in 15 U.S. Code 1681i ( a ) ( 6 ).

If this matter is not addressed appropriately, I may escalate it by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or other regulatory bodies.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 
XXXX XXXX BANKRUPTCY, Docket XXXX No Docket Number Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, 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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was getting charged constantly for overdraft fees that wasnt accurate. My account was hacked money was taken out of my account several times without the Issue being resolved

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