vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I created a claim for an unauthorized transaction on my checking account of the value ( {$1500.00} ) made on XX/XX/XXXX. I didn't recognize this transaction.On the same day ( XX/XX/XXXX ) I had used my ATM card to withdraw cash from an ATM in XXXX XXXX as I was on a cruise and the cruise was docked for the day in XXXX, XXXX. When I tried to withdraw cash, I got the message saying " chip malfunction '' and no transaction happened. That is the only time I used my ATM card on that day. Two days later, I noticed an unauthorized transaction in my account. I promptly reported this to bank on XX/XX/XXXX. Bank has denied my claim saying that they see that the card swipe was used. I have shared with them evidence that I was on a cruise trip with family ( submitted evidence/attached ) and there is no way I would make that payment for what it seems like a restaurant catering order in XXXX. I also shared with them instances reported of the same ATM ( where I got chip malfunction note ) in XXXX, being involved in other similar fraud transactions in the last few years. Despite my repeated appeal on XXXX XXXXXX/XX/XXXX, they have refused to reconsider their decision.

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 2024-12-27 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
There are unauthorized credit inquiries on my account. 

XXXXXXXX XXXX both of these are on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 while in XXXX my wife and I used a Wells Fargo Visa card at a local ATM machine. The transaction proceeded and the money door opened showing the money, I grabbed my card and went to reach for the money when the door suddenly closed and the cash disappeared. I used the same card a second time and successfully quickly grabbed the money. 

When the two transaction showed up, each for {$190.00}, on my WF statement I filed a protest claim with Wells Fargo to ask the local bank for reimbursement. WF investigated and concluded that the transactions were proper and the local bank which owned the ATM had no record that the money had not been dispersed. 

I suspect that the local bank intentionally uses a two second window to grab the money to purposely steal money. Wells Fargo was of little help.

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 2024-12-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.

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 2024-12-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
received emails stating that i had opened up an account. attempted to dispute with citi bank. was transferred to multiple people and was told to call back in 5 days and talk to the application department. i was told it would be cancelled but they refused to send a verification email after i requested verification. still unsure if they cancelled the account

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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I mad an instant withdrawal from my Coinbase account. The funds never arrived. I contacted my bank and provided them with the transaction reference code Coinbase sent me. They said it was not verifiable because it was not an ACH transaction number. I then went to Coinbase customer support, which took several days of XXXX hours on hold trying to contact someone through a deliberately dissuasive customer support system. When I finally contacted support, all they said is they " investigated it and it shows the transaction was successful on our end. '' They asked me to provide bank statements to verify the funds never made my account. I provided the bank statements on 5 separate occasions, which clearly show that the funds never made my account. They failed to acknowledge my evidence, they just say they " investigated it and it shows the transaction was successful on our end. '' I went back to my bank with this information again, they said that, without an ACH verifiable transaction number, they can not verify or track the transaction.

Since, Coinbase has entirely failed to make any other reasonable effort to remedy the issue. They have failed to provide an ACH transaction code, they have failed to acknowledge my evidence that the funds never reached my account, they have failed to make any effort to communicate with the bank, and they have failed to provide any evidence other than their word that the transaction was successful. I provided the evidence they requested to prove that the funds never reached my account, and they ignored it entirely. I have yet to receive my instant transfer, I have the bank statements to prove it, and Coinbase is saying that's irrelevant. I want this theft to be documented, along with their blatant negligence to provide reasonable customer support or conflict resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
XXXX XXXX XXXX is a stated funded XXXX XXXX. My child attended and when we returned the computer, the screen had cracked. This is a school issued, state bought piece of equipment. I never signed anything when attending the school that we would be liable for broken equipment, not were we informed that the school would send us to a collection agent, Titan Revenue Solutions without any warning. I now have a collection on my credit report and the school is threatening more collections for my son 's computer. I signed NO paperwork stating that I would be liable for equipment purchased for a state funded school. I was given XXXX notice that Titan Revenue Solutions would be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have monthly mortgage payment of {$2500.00} which is normally drafted on XXXX of each month. I have also set up auto pay on the mortgage company side where it was fine for the last couple months. 

However, for this month XXXX, I did not see the bank deducted this payment on XX/XX/XXXX. I was concerned the payment did not go through and then called the XXXX XXXX  who told me the payment was went through and no late fee was charged. 

On XX/XX/XXXX, I called XXXX XXXX again, received the same word. I made another payment {$2500.00} which went through on XX/XX/XXXX. 

On the same day XX/XX/XXXX, I was charged {$120.00} Late Fee, which I don't think it should happen. 

I called custom service again, where I was told the XXXX payment was returned and late fee was charged and they submitted a request to managers to avoid the late fee. 

Later, I wrote a email to them explaining what happened and include a screenshot of my bank showing that there was sufficient fund on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from them telling me that they retried the payment on XX/XX/XXXX and it was not success, therefore the late fee can not be avoid.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXXXXXX XXXX XXXXXXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX XXXX XXXXXXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm writing to address an issue with my credit report from Equifax, which contains inaccurate information. My address is listed incorrectly as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' but the correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' Additionally, the report lists the wrong name, " XXXX XXXX, '' when it should reflect my correct name, " XXXX XXXX. '' This incorrect data has impacted my credit score and caused unnecessary frustration. Remove the incorrect personal information immediately, as it violates 15 USC 1681c ( a ) ( 4 ), which requires the exclusion of inaccurate data, and the maximum possible accuracy standard under 15 USC 1681e ( b ). I request that these errors be corrected promptly to reflect the correct details and to comply with these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
The Bankruptcy Court, after considering the papers filed in this case and having held a hearing on XX/XX/year>, agrees that XXXX this involuntary petition for XXXX  XXXX Bankruptcy was fraudulently filed and that dismissal XXXX XXXXXXXX XXXX to the date of filing and voiding this petition ab initio are the appropriate remedies. 
IT IS ORDERED : The debtor is granted dismissal 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