vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i am requesting deletions of inaccurate accounts and to put the CRAs on notice of violation, per 15 usc 1681i ( 6 ) ( b ) ( 3 ) for non re-investigation of inaccurate accounts

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 2024-02-12 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: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: RI

Complaint narrative:
I been requesting Equifax to removed this account with XXXX from my credit. This account was a fraudulent account. That I been trying to fix the problem with this company, but nothing have been done. The year of this account is totally incorrect, the amount, the payment history. This account was my ex husband account never signed for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Incorrect late payment on my student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During XXXX last year, my friend owed me amount of money around {$10000.00}. He told me he could only transferred less than {$500.00} once because he transferred money too frequently so he transfered the total of {$10000.00} with several times. At the end of XXXX, Chase told me they would close my account permanently due to unusual transactions. I went to Chase branch at the beginning of XXXX. Chase told me they would sent the remained balance as check which was estimated at {$2700.00} to me in 10 business days. I have been waiting for 2 months and there is no any response from Chase. Chase also did not tell me the reason why they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-12 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have submitted several notices stating that they had no rights to repossession because the car was fully paid off and that I was mailed legal title to the vehicle. TD Auto Finance refused to update the account as paid off and continued to report late payments and followed with a repo. I am outrage, especially because I sent complaints to the CFPB regarding TD Auto Finances ' unscrupulous business practices in XXXX and nothing was done. Below I have attached a copy of the identity theft report and a copy of the title from the DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
FRAUD at COINBASE This publicly listed company is refusing to provide information concerning the unauthorized access and theft of my funds. 

There are over XXXX other clients, based on press reports that have had there funds stolen at Coinbase. 

I logged into my account today XX/XX/XXXX and have reviewed the transaction history. 

The Fraud occurred on XX/XX/XXXX. 

The amount stolen was {$4600.00} None of the actions were authorized by me. 

A XXXX debit card was entered into Coinbase by an unauthorized user. 

This XXXX debit card ends in the digits of XXXX. 

It is still listed on my account but Coinbase refused to provide the full information so it can be traced. 

Coinbase has refused to provide the full debit card number so XXXX XXXX in XXXX can track the cards use and its history. Current was the company that issued the VISA DEBIt CARD I have looked at the transaction history. 

I had a dual use verification set up with my phone. This was set up in XXXXXXXX XXXX XXXX 

Coinbase never used this to inform or confirm the fraudulent transactions. 

There are at least 7 to 8 entries in the account history made from XXXX back in XXXX and XXXX of XXXX. 

A password reset transaction was made on XXXX XXXX XXXX from XXXX. 

The funds were stolen on XX/XX/XXXX XXXX XXXX XXXXXXXX. 

I do not live in XXXX. I live in the USA I did not authorize the addition of any payment method from a XXXX debit card. 

I only use my lap top to sign into Coinbase. It was in my possession at the time of the fraud. 

No customer service representative contacted me on my lap top or on my phone during the fraud. 

I have never had any noticeable interruption in my phone service or been a victim of phone /sim swap. 

I have never received any communications from Coinbase claiming to be a Coinbase rep I was NEVER contacted by COINBASE about a new payment method, ( false XXXX DEBIT Card ) being entered into my account. 

There is no malware infection on my laptop as I have run scans. 

I do not know how the thief entered into my coinbase account. 

The list of actions NOT authorized by me include the following ; 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  I am asking the CFPB, as recommended by my Congressman XXXX XXXX, to fully investigate this fraude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I have forwarded receipts ( 2x mail, email ) to ProCollect showing my balance is XXXX. I also informed them to remove this collection from my credit reports and to restore my score back whole. I spoke to ProCollect several times and received the same answer We didnt receive your information, send it again. ProCollect staff are rude, unprofessional and aggressive people. Am trying to provide information to them so this matter can get taken care, remove this issue from my credit reports and restore my credit score. The paperwork is from the management who filed the dispute with ProCollect. I also inform ProCollect to contact the XXXX XXXX XXXX to resolve this issue and they refuse.

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 2024-02-12 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 reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-12 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
the items that i request deletions from XXXX are the following because i am a victim of identity theft are as follows : XXXX XXXX XXXX  XXXX {$4200.00} JPMCB XXXX {$4200.00} XXXX XXXX XXXX XXXX$24000.00} XXXXXXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXXXXXX {$1600.00} i have provided attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
the items that i request deletions from XXXX are the following because i am a victim of identity theft are as follows : XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$21000.00} MIDLAND FUNDING XXXX {$1600.00} i have provided attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
Called numerous people I dont speak to looking for my location.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
The account was settled and the company XXXX XXXX XXXX paid in full and a refund then reversed it 2 months later causing me adverse harm to my bank account and credit worthiness. Now they are reporting the account as late and reporting inaccurate information. I also sent them a cease and desist and they still continuously harassing me causing me XXXX  and mental anguish. Being duly sworn, hereby swear under oath that : My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to optout of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of XXXX. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Under penalty of perjury, I hereby declare and affirm that the abovementioned The statement is, to the best of my knowledge, true and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
The company Tempoe LLC who is being sued by the CFPB for unlawful acts has sent a company called XXXX XXXX to collect a debt that I had no clue I had nor was it ever verified with. this seems to continue again with more unlawful procedures and because of this they have caused so much setback to credit report. The Debt collector showed up on my credit report on XX/XX/2022 for the amount of XXXX. Please have this Removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ADP Inc.
State: NY

Complaint narrative:
ADP Payroll Company refuses to issue our former employees their W2s for XXXX XXXX XXXX XXXX ( tax id XXXX ) even though we filed for XXXX XXXX XXXX in case no XXXX XXXX in XX/XX/2023 and they are prohibited from terminating our services per 111 USC section 362 due to the automatic stay otherwise they are subject to contempt, fines, fees, and sanctions. Please investigate and advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-12 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 credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-12 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In reference to the errors discovered on my most recent credit report, I am writing to formally file a complaint. I looked into it thoroughly and found that your agency had failed to report a number of items that were questionable, invalidated, unverifiable, and inaccurate.

These errors have not only caused severe distress but also violate my rights under the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported 100 % accurately. It is unacceptable that your agency has failed to ensure compliance with this fundamental requirement.

Furthermore, I have identified specific accounts that are in clear violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These accounts are not reporting information accurately and are further exacerbating the adverse effects on my creditworthiness and financial well-being. 

I demand immediate action to rectify these inaccuracies and bring my credit report into full compliance with the law. I have attached copies of all letters previously sent to your agency regarding this matter for your review and reference. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter further and seek appropriate legal action to remedy the damages caused by your agency 's negligence. 

I expect a timely response detailing the steps taken to address and rectify the inaccuracies on 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In reference to the errors discovered on my most recent credit report, I am writing to formally file a complaint. I looked into it thoroughly and found that your agency had failed to report a number of items that were questionable, invalidated, unverifiable, and inaccurate.

These errors have not only caused severe distress but also violate my rights under the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported 100 % accurately. It is unacceptable that your agency has failed to ensure compliance with this fundamental requirement.

Furthermore, I have identified specific accounts that are in clear violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These accounts are not reporting information accurately and are further exacerbating the adverse effects on my creditworthiness and financial well-being. 

I demand immediate action to rectify these inaccuracies and bring my credit report into full compliance with the law. I have attached copies of all letters previously sent to your agency regarding this matter for your review and reference. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter further and seek appropriate legal action to remedy the damages caused by your agency 's negligence. 

I expect a timely response detailing the steps taken to address and rectify the inaccuracies on 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 explanation