vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX XXXXXXXX {$13000.00}.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXXXXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have numerous accounts on my credit that mostly Equifax is reporting incorrectly but also a few on XXXX and XXXX. 
The first is a public record that is hindering my ability to qualify for credit. Equifax is around 60 points lower than my XXXX and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXXXXXX XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXXr is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. 

This is my last attempt at correcting it myself before getting an attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have numerous accounts on my credit that mostly XXXX is reporting incorrectly but also a few on XXXX and Experian. 
The first is a public record that is hindering my ability to qualify for credit. XXXX is around 60 points lower than my XXXX and Experian score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from Experian and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXX  XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXX is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy.

This is my last attempt at correcting it myself before getting an attorney involved.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disputed these public records and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not provide me with my free annual credit report. They say my infomration doesnt exist in their database, and ask for me to update my info by faxing, or mailing them my information. I have done both and waited several months and they have done nothing to fix their error. I need your help in intervening and telling them to do their job and help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.

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 2022-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Has requested a debt Validation request along with A FULL AUDIT TRAIL, LIMITED TO GENRAL LEDGERS, PURCHASE LEDGERS, ANY BOOKKEEPING, ANY PRINCIPAL INTEREST OR INTEREST INCOME APPLIED ON PRIVATE LEDGERS. NFCU HAS NEVER GIVEN ME THE OPTION OT OPT OUT OF HAVING MY PERSONAL NON PUBLIC INFORMATION SHARED, NEVER HAS SUPPLIED PROOF OF SUCH. PURSUANT TO 12 CFR S EC1016. ANY ACCOUNT MUST BE DELETED. AGGRAVATED IDENTITY THEFT. NAVY FEDERAL CONTINUES TO VERIFY THE ACCOUNT AND ACCURATELY. WILLINGLY REPORTING THIS INFORMATION UNDER FALSE PRETENSES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
Account Name : XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a fraud alert text message. This text message didn't feel safe, so I checked my account. There were multiple fraudulent transactions. 

I ended up calling into customer service at XXXX MST as I get up early for work and ended up waiting over an hour on hold to talk to anyone. When I did they told me they couldn't dispute the fraudulent charges until they posted and canceled and sent me a new card. 

When I got the card a few days later, I couldn't activate it. The activation line was not working. I ended up trying their chat, which wasn't answered for 17 hours. Another over 12 hours later another customer service rep got ahold of me in chat and activated my card. 

This is all background info and would have just been customer service and management issues up until this - when I complained and asked why I couldn't get customer service for my all online bank I was straight lied to by their representative. They told me that the bank had recently run a popular promotion and that's why there was a shortage of reps. The next morning, I started seeing complaints and new articles online where a large amount of others all from the same bank were complaining about fraud charges. The bank also put out a public statement online saying this was a problem for all banks and nothing was systematically wrong, which seems obviously misleading and unacceptable for a financial institution.

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I pay my credit card bill each month to avoid the 19.99 % interest charge. Last month, while paying my bill on the Citi bank website, a pop up offered a {$20000.00} flex plan loan with an 8.99 % interest rate. I took the loan to help pay for my sons post education. I received my bill and paid the balance of my purchases for the month plus the plan payment amount for the Citi flex loan. I received my next bill and there is {$98.00} in additional interest not related to the loan. I call Citi. Thirty-two minutes later, the Citi rep confirms that although the loan plan payment amount is itemized separate on the bill, the application of the payment results in being charged the higher 19.99 % interest rate on the purchases. In other words, the 8.99 % loan results in being charged 19.99 % on the purchases UNLESS the bill is paid in full ( both the loan and the purchase balance is paid in full ). Which means that while the loan balance is technically 8.99 %, youre payment is being applied in a way which results in an overall blended rate that is much higher. The only way to only to use the loan as sold, is to take the loan and NEVER use the card again until the loan is paid off. This is all very confusing, but certainly unethical. I asked for an email to complain. She said there was only a PO address. I can not believe this is legal and being pushed on consumers. Im educated, worked XXXX XXXX XXXX XXXX, and I am sure many others who carry balances are being hoodwinked into increasing their debt at interest rates while beyond what was sold to them. She mentioned fine print. I honestly dont recall anything more than clicking accept, but even if I did, there is no way this is being explained in a way which is ethical.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. XXXX responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. Equifax responded that item was removed and not currently reporting on credit file. 

How is it that Equifax wasn't able to verify that the report was accurate but XXXX claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, Equifax stated that they removed the accounts and not currently reporting but somehow, they are still reported on Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. Experian responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. XXXX responded that item was removed and not currently reporting on credit file. 

How is it that XXXX wasn't able to verify that the report was accurate but Experian claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, XXXX stated that they removed the accounts and not currently reporting but somehow, they are still reported on XXXX report.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX my coinbase account was compromised. This happened by my email getting hacked and my cell phone number then getting ported out or sometimes called sim card swap. I contaced coinbase to let them know, I received an email immediately saying my account had been locked for security reasons. I was asked to submit photo **s and other requisite information for security and told VIA EMAIL that my account should be re-activated by XX/XX/2022, I called and spoke to 'customer service ' Their customer service is a sham, unable to escalate or provide any meaningful solution. The 'agent ' i spoke with then sent me another link to re-upload my ** data via a 'XXXX  " Portal. Immediately, I uploaded my ** data AGAIN, in the fashion requested ( see supporting doc ). I called to follow up AGAIN on XX/XX/XXXX, only to be told Coinbase 'backoffice ' has to check the ** data I submitted and customer support said 'they are not able to escalate anything ' - basically, I am locked out of my money,, and they are providing NO solution to this problem. As far as I am concerned, this is approaching financial crime-status.I can not believe how this company operates. They are operating in an illegal fashion, providing zero solutions and locking me out of my financial belongings. Please assist asap. This is outrageous and unacceptable. I have also filed a FORMAL COMPLAINT with Coinbase, which is Case # XXXX. Today is XX/XX/XXXX and nothing has changed. I

Company response to consumer: Closed with monetary relief