vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: DE

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my being a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a XXXX XXXX  veteran, I served time overseas and during those years, my identity was stolen. As a result, fraudulent accounts were opened, defaulted, and posted to my credit reports ( to include EXPERIAN, XXXX, and XXXX XXXX ). During the months of XXXX and XXXX, I sought legal counsel to assist the removal of incorrect information on my credit reports. 

Some of these accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and many other negative items. 

During the months of XXXX and XXXX, letters were sent out to all of these bureaus which required them to remove all negative items, accounts, late reporting, charge-offs, and inquiries. Unfortunately, the accounts and negative items are still reporting on my credit files. Whenever I call to, the representatives refuse to be helpful and they respond with continuous resistance in a very disrespectful manner. 

Every negative item should be removed from my report as the accounts and items do not belong to me.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been engaged in a dispute with Capital One concerning my Venture Card since XXXXXXXX XXXX XXXX. They have frozen the account and we have had no resolution. I have had a {$70.00} credit on the account for approximately 4 months. On XX/XX/XXXX, I received the bill for this account, and the credit is gone. When contacting the company the same day, I was told by XXXX XXXX employee XXXX XXXXXXXX ), that there is nothing that they can do unless I send the front and back of my driver 's license to verify who I am. As a XXXX XXXX concerned with internal fraud at Capital One, I am uncomfortable sending this information. 
Please note, I receive ongoing communication from Capital One about this account via email and USPS mail monthly. Capital One does not seem to be concerned that these communications are being received by someone other than the account holder. 

To suggest that I have to provide additional verification to resolve this issue, especially since the credit on my account is gone, feels ridiculous. Capital One has been unresponsive to my requests for help. No one at Capital One will look at the account and provide any assistance on this matter. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
I have money that was sent to me from my broker into my Coinbase wallet I tried numerous times to contact this company with no avail. I was getting messages on the Coinbase Wallet app that I had to pay gas fees and upgrade my wallet I paid around {$18000.00} Which I gave them now theyre telling me some XXXX XXXX that I have to pay something like XXXX XXXX XXXX  of the XXXX  balance I dont know if this is a scam or what but this is actually in my Coinbase wallet account. The broker IXXXX using is XXXX XXXX shes out of New York. She works for XXXX movers. Im just trying to get this resolved. I have around {$98000.00} in that account and I want my money again. Coinbase is the one that I am using for this app. If you need further information you can contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the information listed on my credit report regarding the account associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). After thorough review and consultation, I have determined that the reported information is incorrect, fraudulent, and in direct violation of federal statutes. 
Pursuant to the Internal Revenue Code ( IRC ) 6050P, creditors who discharge {$600.00} or more of debt are required to file a Form 1099-C with the IRS and provide a copy to the debtor. To date, I have not received a Form 1099-C for this account. This failure to comply indicates that XXXX  claimed a tax benefit without fulfilling their legal obligation to notify me, which constitutes fraudulent and deceptive behavior. 

Furthermore, this omission violates the Fair Credit Reporting Act ( FCRA ) by allowing inaccurate and incomplete information to remain on my credit report. Reporting such false information to the IRS is a severe offense and exposes the reporting party to significant penalties. 

In addition to fraudulent reporting, the attached documents demonstrate a clear violation of the postal rule on the part of XXXX, further compounding their unlawful actions. Such negligence and failure to adhere to statutory requirements subject XXXX to liability for statutory damages under federal law. 

Unless this matter is promptly resolved by removing the inaccurate and fraudulent information from my credit report, I will pursue all legal remedies available to me. This includes filing a lawsuit for fraud and seeking statutory damages as allowed under federal law. 

I request that the inaccurate information be immediately corrected or removed. Please conduct a full investigation and provide me with the results of your findings. Enclosed are copies of supporting documentation, including evidence of XXXX  postal rule violation and related account records. 

I expect a written response to this dispute within the timeframe required by law, as specified in the FCRA. Failure to comply with this request will leave me no choice but to escalate this matter through legal and regulatory channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I went to the site to set up a XXXX Clarity Services fraud alert online like it says I can. 
I put in all my info and then it said I would need to send extra ID, drivers license, etc. But, I could call. So I called and told them I had issue online and could they help me complete even a short term alert. They took all my ID info and spent my valuable time to just tell me the same thing : I need to send by mail the proof of ID. I find it wrong to ask me for all my info and not complete the alert or freeze when they could have told me to follow the protocol of sending the proof of ID via mail, like the site suggests. My wish : This company should make the online site work with document submission to complete the alerts or freezes via the website. And, absolutely, don't ask for all our info if you can't do the alert or freeze online or by phone.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union is reporting a negative remark on my credit report. I have mailed a request for a 1099c form to be sent to my home. According to the IRS rules, charge off 's are considered income & can not be reported to the credit bureau. I am requesting this to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-04 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:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and my personal information has been compromised, leading to unauthorized accounts and inquiries being associated with my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-12-04 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: TX

Complaint narrative:
Incorrect address reporting ( non mailable address ) Please update to : 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect address reporting ( non mailable address ) Please update to : 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 2024-12-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX us bank focus transferred my money from one us bank focus pay card to another us bank focus pay card, both were in my name both were from my job at XXXX. They assured me this transfer would effect my account and they deactivated the card I transferred the money from, then my job kept depositing my payroll on the deactivated card. After learning I couldnt spend my money I called, they said it would cost me {$50.00} to over night new card ( even though I never requested my card be deactivated ) I informed the company that I had new address, that I had already changed address with both my job and on my us bank app. They still required either a five day from call to automatically verify address or I could fax in my driver license and mail with my name on it, so I did. This was on the XXXX of XXXX. I call next day, now they say my change of address mail from post office wasnt enough to to verify, so I resubmitted license and a signed lease. Called back they now having trouble locating my account and telling me to contact my employer, which I did. They said all they can do is remove card and add my direct deposit but as far as money in account that was my problem, called bank back, now they can find my account can see my documents but the signature page was missing from lease agreement, which I know it wasnt. Still us bank said after five days it would verify itself.. today surpasses the five days.. I call and still they refuse to send me another card now they are telling me that because they tried to verify on Saturday my five days starts over. And each time I call my five days starts over! The company is fraud. Ive done everything they ask of me and each time give me another excuse to why they refuse to give me my money my job has made three deposits since I requested new card. They say my account isnt good, yet money goes on card, I just cant use any of it. Im getting kicked out my house because I cant pay my rent.

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 2024-12-04 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 am writing to formally notify you that I am a victim of a data breach, and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be blocked and deleted from my credit file : Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation