vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: AZ

Complaint narrative:
I disputed an old invalid charge originally from XXXX XXXX, charged incorrectly. XXXX took it over for collection, stating it was a XXXX charge. The original charge is over seven years old and should be removed from the report. It was invalid to begin with, now XXXX came back and confirmed it. They are wrong and reporting incorrect date of original bill and no proof that it is a valid charge. Dont understand why credit bureau does not require documentation of the original charge and explain why they would continue to charge an invalid amount.

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 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$9600.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  XXXX XX/XX/year> {$2000.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within XXXX  days of receipt of this letter. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MS

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-24 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: VA

Complaint narrative:
CFPB, FTC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Data Furnishing Company is reporting inaccurate information to Equifax Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
To whom it may concern, I am a user of the digital wallet COINBASE. 

I have been a user since XXXX XX/XX/XXXX. I have always used this wallet to hold my digital currency, mainly XXXX  XXXX and a few others. 

I have never had any issues with coinbase until the XXXX XX/XX/XXXX. I have around {$45000.00} in my coinbase account. Coinbase contacted me to say my funds have been frozen and I am to withdraw my funds no longer being able to trade on this platform. 

I contacted them about this and was told not to worry this was an error to keep using my wallet as I normally would. 

The following day ( XX/XX/XXXX ) My account was completely frozen unable to access any funds. Again i contacted them regarding the matter and was told i can not have an update my account is under investigation and I will have to wait until this is complete. 

I have contacted them multiple times regarding this matter and still have no XXXX i keep getting told the same thing, no updates are available and I will have to wait until a XXXX has reviewed my account. 

No updates have been given top me even after a formal complaint was made and there is no correspondence from COINBASE to say the investigation is taking place i have just been left with my assists frozen and pushed to XXXX side. 

This is my only source of income and i am missing any opportunity 's to grow my funds as well as using this to live my life. 

I am unsure on what to do or who to contact as COINBASE give no indication of this being completed any time soon as well as other people on forums explaining they have the same issue going on for months - years. 

I something can be done to start the process of investigation or even retrieve my funds. 

XXXX Regards XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-07-24 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
XXXX XXXX XXXX Reported : XXXX XXXX XXXX openedXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2024-07-24 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX openedXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2024-07-24 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 received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX {$0.00} opened : XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within XXXX days of receipt of this letter. 
Thank you for your time and help in this matter.

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 2024-07-24 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from LexisNexxis. I did not give LexisNexxis, XXXX, XXXX, or XXXX permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. LexisNexxis< XXXX, XXXX, and XXXX XXXX XXXX has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and LexisNexxis via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
-Bill cycle XX/XX/XXXX - XX/XX/XXXX - {$0.00} balance at beginning of bill cycle -Purchase made XXXX : {$2300.00} XXXXNo other purchases made during bill cycle -Statement balance : {$2300.00} -Statement states that the " Standard Purchases '' " Balance Subject to Interest Rate '' was {$610.00} ( pg. 3 ) -Statement states that "... you can avoid paying interest on your Purchases ( excluding Easy Pay ) by paying {$2300.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). '' ( pg. 5 ) -At no point in the " Important Information '' section of the bill does it disclose that this is the average daily balance of the card.

Description of problem : I called Barclay regarding my Carnival credit card on XX/XX/XXXX as I was uncertain whether the purchase I made was subject to interest if not paid in full or if I had a deferred interest offer as it was a purchase made through a subsidiary of Carnival, but not directly through Carnival. The bill provided seemingly conflicting information as broken out in the bullet points above and I did not understand why only part of a single purchase was subject to interest. The original representative was unable to answer my question and provided conflicting information that I had a special promotion that made only part of the balance subject to interest but also telling me that I needed to pay in full to avoid interest ( approx. XXXX min ). After escalating to a supervisor, I was on the phone with them for XXXX min before they were finally able to provide the answer that this was the average daily balance during the prior bill cycle. In all, the call totaled XXXX minutes to find an answer that should have been disclosed in the statement. If it took their trained representatives that long to be able to figure out why the bill displayed this information, I'm not sure how I, as a consumer, am supposed to be able to understand my bill.

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 2024-07-24 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the reporting of the collection accounts listed below, which persist on my credit report despite your previous investigation. I request an immediate re-investigation of these items as their inaccuracies severely impact my XXXX XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, please provide me with the names and business addresses of each individual with whom you verified and validated the information. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FDCPA 15 USC 1692g, the agency was required to notify me in writing within XXXX days of the debt being placed on my report, which did not happen. As the original creditor, only I can validate this debt, and I do not validate it.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Entrata Inc.
State: GA

Complaint narrative:
I received a denial letter from Resident Verify, a division of Entrata Inc. today. I do not waive my right to privacy. I did not give consent to Entrata Inc., Resident Verify or its affiliates to assemble, furnish or share a derogatory tenant screening report without my consent. I am now damaged by the information Resident Verify provided and will provide to future companies who may use them for services. I called to opt of their sharing of consumer information that is needed to apply for housing. i was denied housing as a result of the report Resident Verify and Entrata Inc. shared without my written or express consent. Resident Verify does not have a permissible purpose to share consumer information without the consumers consent to whom it relates. I incur the loss of {$300.00} USD I paid XX/XX/2024 for the application fees that have not yet been returned to date. I have also paid for hotels because I did not receive an approval based on the information Resident Verify alleged report compiled and certified to the fair housing agency. I am damaged and I require {$2000.00} USD for food and shelter for hotel expenses for 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
collector e-mail me lawsuit calls to mom and dads cell XXXX times. collector has violated XXXX XXXX XXXX FOR THE LAST TIME. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-24 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation