vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: AZ

Complaint narrative:
XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAWXXXX XXXX has relisted XXXX fraudulent inquiries.

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 2024-12-05 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Received notification from several credit monitoring companies that there was a hard inquiry on me. It was all reported as Capital One. I called Capital one immediately and was transfered from dept to dept with no answers. They sent me to disputes, allocations, etc. And had nothing to report to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent account from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following account blocked and deleted from my credit file : Fraudulent Account : XXXX XXXX  - XXXX - XX/XX/year> - {$0.00}

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 2024-12-05 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: FL

Complaint narrative:
I am submitting this formal complaint concerning the inaccurate reporting of a XXXX XXXX  account on my Experian credit report. My efforts to resolve this issue directly with Experian have been unsuccessful, and I am seeking the CFPBs assistance to ensure compliance with federal and state laws governing credit reporting practices. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Nature of the Complaint : The balance reported for this account is inaccurate, and I have been unable to obtain verification or access to the account in question to resolve or dispute the alleged debt. This lack of transparency constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. 

Furthermore, my attempts to resolve this matter through Experians dispute process have not resulted in any meaningful correction or investigation of the inaccuracies. The continued reporting of unverifiable and inaccurate information on my credit report directly impacts my financial standing and violates the statutory obligations of both Experian and the original creditor under the FCRA and Uniform Commercial Code ( UCC ) 9-210 ( Request for Accounting ).

Legal Basis for Complaint : FCRA Violations : Experian has failed to ensure the accuracy of the information reported and has not adequately investigated my dispute.

UCC Compliance : The creditor has failed to provide me with the required accounting or any means to address or resolve the alleged balance. 
Negligence and Noncompliance : The lack of accessibility to this account constitutes a barrier to my legal right to dispute or resolve the matter effectively. 
Requested Actions : Immediate Deletion : Remove the inaccurate and unverifiable account from my Experian credit report.

Thorough Investigation : Conduct an independent investigation into the reporting practices of both Experian and XXXX  to ensure compliance with FCRA and UCC requirements. 
Written Confirmation : Provide written confirmation of all actions taken to resolve this matter. 
I trust that the CFPB will address this matter with the seriousness it warrants, ensuring that my rights as a consumer are protected under the applicable laws. 

Should you require any additional information or documentation to facilitate your investigation, I am prepared to provide it promptly. I look forward to your swift response and resolution.

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 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened a Coinbase account over 4 years ago and bought a very small amount of XXXX on XX/XX/XXXX. This was tied to my bank account so it was an ACH debit for {$100.00}. I sold it on XX/XX/XXXX for XXXX minus XXXX service fee. I expected the money in my bank account the following day. None of my information changed in the 4 years so there should have been no reason for the transaction to be complete. I have XXXX brokerage accounts and a US Treasury account ( for short term treasury bills ) that are tied to my bank account and have never had any problem transferring money in or out. It has always been quite easy and done by the following day. Coinbase has no 800 number and no human beings to talk to. They have a virtual assistant which is in reality useless. I would have preferred being able to talk to someone to resolve this but there is nobody to talk to. The brokerages have people that you can talk to. If they don't have any way to talk to them they shouldn't be in business.It has been over 2 weeks and still have not received the money. I have reported this to the SEC  and they told me I should report this to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I do not owe this company Spring Oaks Capital {$8500.00} any money. I was sent a XXXX contract that has been satisfactory to XXXX and that account has been closed as paid. 

This company paid little than less money for an account that has been written off by XXXX. It shows account closed and debt was satisfied. Spring Oaks Capital trying to collect on a balance I never owed them and I do not have a contract with them. I never had a contract with Spring Oaks Capital who is trying to commit fraud with collecting monies I do not owe. As I never signed a contract with Spring Oaks Capital. I have obtained an attorney and we have filed a complaint in accordance with Fair debt collection practice act 15 U.S.C. section 1692.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I had a master card with XXXX XXXX that I used and paid off for years. This card was converted to XXXX credit card which I never received or activated. On XX/XX/year> there were XXXX charges of {$.00} each for XXXXXXXX XXXX that I never made. XXXX let the charges go through even though I never received or activated the card. They never provided me a statement for these charges. They called me after these charges had accelerated to XXXX XXXXXXXX with late fees, interest, etc. I advised this was fraud. Despite calls, emails, etc. XXXX would not rectify. They wrote it off and sent to Midland Credit Managment to collect. Many calls to Midland requesting they rectify, but they refused and only wanted me to pay this fraud. Finally got a supervisor who sent me paperwork to dispute. They will not rectify unless I include a complaint with CFPB. Therefore I am now filing to obtain the documentation Midland seeks to get this off my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: WI

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
Good day! I just paid {$340.00} last XX/XX/XXXX for my first monthly payment. However, upon checking it today it didn't reflect on my principal balance even though my bank recognize my first payment. Confused and it feels like I paid for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of ID theft. I filed a local police report and a report with the FTC and followed their notification procedures. I notified XXXX and they have not provided documents that I'm legally entitled to as a victim of ID theft. They will not settle the dispute with the credit bureaus and they refuse further contact with me or to provide me with all the information on the application when the loan was taken out, including : bank account and routing number, pics/registration/title of vehicle used as collateral PLATE and VIN numbers, drivers license, proof of income.

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 2024-12-05 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number : XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : XXXX. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXXXXXX, XXXX XXXX ) XXXX XXXXXXXX, XXXX. I request that my name be updated to reflect the correctinformation. 

XXXX. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX. I request that my current address be updated accordingly. 

XXXX. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

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 2024-12-05 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: AZ

Complaint narrative:
XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA XXXX XXXX has relisted 15 fraudulent inquiries.

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 2024-12-05 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.

Company response to consumer: Closed with explanation