vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: GA

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. 


Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 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 2024-12-31 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: GA

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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2024-12-31 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: TX

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA 's purpose is to : Promote the accuracy, fairness, and privacy of personal information Govern access to consumer credit report records Ensure that consumer reporting agencies act fairly and impartially Company experienced data breaches and more inaccurate information is reporting on my consumer report.

The courts do not have a bankruptcy file on me and that false information is being reported and the company stated they received the information from the court house even though thats violating section 11 U.S. Code 107 where it says bankruptcy court do not report that information to credit bureaus

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 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> IS IN VIOLATIONOF LAW CODE 15 USC 1681 I ALSO DISPUTED THIS ITEM OVER 15 TIMES ; AS OF XXXX MTNTHS NO RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: CA

Complaint narrative:
They will not let me view my account. I have no idea how much I owe or what I am paying for. I am homeless and can not receive mail. I call they give you the run around and literally will try and force you to pay. It says my login is temporarily XXXX but to get it restored I have to bring the account current by XXXX XXXX XXXX So because I cant pay them thousands I have no access to see any information about MY loan.I literally cant eat day to day yet Sallie Mae wants to sue me because I cant make {$1000.00} a month payments. The reps call and leave voicemails lying saying to call back to receive help with payments but when you call its just a ploy to get you on the phone so they can say they cant help you. It is honestly wrong. I am not even given access to see what I am paying. They force you to pay on the phone and I have made multiple complaints regarding being told something over phone but it not being true. Yet, they say they can never listen to the calls that they literally tell you are being recorded. Their workers are underhanded and sneaky and have put me in unbearable situations. I will pay something under the guise that I am in sort of plan to get back on track just to find out the next month that what the previous rep told me isnt true. They really need to get it together. I am reaching out to attorneys also because I feel they should be held accountable for the countless lies reps tell on recorded lines yet when you asked the call to verified and checked for the incorrect information they all of a sudden are unable to listen back to those calls. I can only imagine how many others have been XXXX  by this company. Or maybe I should say this XXXX. Because no upstanding company would harass their customers to the brink of literally trying to take everything and anything. Thats what the XXXX does when people cant pay and Sallie Mae has literally become worse than the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX 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 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX IS IN VIOLATION OF LAW CODE 15 U, S, C 1681 ITEM WAS PAID XX/XX/year> IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
An AMEX gift card activated on XX/XX/year> is getting declined at every online store. There is no way to access help on the AMEX gift card website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
-- XX/XX/year> Jefferson Capitol system XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Debt Collection Activities To Whom It May Concern, This letter is a formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am requesting that you immediately cease and desist all communication with me regarding the debt referenced in your correspondence dated [ date of the debt collector 's letter ] or any other date. 

You are instructed not to contact me further through any means, including but not limited to : Telephone calls to my home, work, or cell phone. 

Letters or other written correspondence. 

Emails, text messages, or other forms of digital communication. 


If you believe this debt is valid, you may provide verification of the debt in writing. However, any further attempts to contact me outside of permissible legal actions will be considered harassment and a violation of the FDCPA. 

Be advised that I am fully aware of my rights under federal and state law. I will report any continued violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I reserve the right to pursue legal action for damages caused by your unlawful practices. 

Thank you for your immediate attention to this matter. 

Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Explanation of the Complaint to the Consumer Financial Protection Bureau ( CFPB ) Background : In XX/XX/year>, {$750.00} in my Coinbase account was placed on hold without explanation. Despite numerous attempts to resolve the issue, Coinbase has failed to release the funds or provide a valid reason for the hold. This prolonged inaccessibility to my money has caused significant financial and personal harm. 

Details of the Incident : Funds Held Without Reason : In XX/XX/year>, I attempted to use the {$750.00} in my Coinbase account to make a payment for our work truck. Coinbase did not process the transaction, leading me to mistakenly believe the payment had gone through. 

I later discovered, during a dispute with the truck dealership, that the payment was never processed. The funds have remained inaccessible in my Coinbase account since then. 

Truck Repossession : Due to the failed transaction, my work truck, valued at {$29000.00}, was repossessed. This vehicle was essential for my livelihood. 

The repossession forced me to rent a replacement vehicle, incurring daily costs of {$70.00}. Over the past two years, I have spent approximately {$51000.00} on rental expenses. 

Resulting Homelessness : The financial strain caused by the truck repossession and ongoing rental expenses led to my becoming homeless. This situation has had severe emotional and financial repercussions. 

Coinbases Lack of Resolution : I contacted Coinbase multiple times through their customer support channels. Each time, I was assured that the matter was being escalated or investigated. 

Most recently, I submitted an escalation request through Coinbases portal ( Submission ID : XXXX, Reference Number : XXXX ). Despite this, I have not received a clear timeline or resolution. 

Coinbases failure to communicate effectively or provide a resolution has exacerbated the harm caused. 

Consumer Protection Violations : Coinbases actions appear to violate consumer protection laws in several ways : Unreasonable Delay : Holding funds for over a year without explanation or resolution. 

Negligence : Failure to process a legitimate transaction, resulting in significant financial and personal harm. 

Lack of Transparency : Repeated failure to provide clear communication about the status of the funds or the reason for the hold. 

Deceptive Practices : Leading me to believe the funds were available while withholding them without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing regarding an alleged debt associated with my social, which I believe is the result of identity theft stemming from a data breach. This debt does not belong to me, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

The information used to create this account appears to have been stolen in a data breach, during which my personal information was compromised.

To validate this debt, please provide the following : 1. The name and address of the original creditor.

2. A detailed breakdown of the alleged debt, including the principal, interest, and fees.

3. Copies of any contracts, applications, or agreements allegedly signed by me.

4. Evidence linking me to this debt, such as usage history or IP addresses.

Because this debt is fraudulent, I am also requesting : 1. An immediate halt to all collection activities.

2. That this account is removed from my credit report, as it is inaccurate. 

This letter serves as formal notice that I dispute this debt. Please respond in writing within 30 days, and address all correspondence to my address above. 

Thank you for your prompt attention to this matter. 

Balance is {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2024-12-31 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:
Dear CFPB Representative, I sm writing to clarify that I did not request any information regarding the student loan in question, as I do not own this loan. I would appreciate your assistance in resolving 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 2024-12-31 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:
Dear CFPB Representative, I sm writing to clarify that I did not request any information regarding the student loan in question, as I do not own this loan. I would appreciate your assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Dear CFPB Representative, I sm writing to clarify that I did not request any information regarding the student loan in question, as I do not own this loan. I would appreciate your assistance in resolving 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