vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-11-03 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: CA

Complaint narrative:
hardships, been going at this for years. I have had enough and will aggressive use my rights to pursue litigation if all does not cease and desist

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 2024-11-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
hardships, been going at this for years. I have had enough and will aggressive use my rights to pursue litigation if all does not cease and desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XXXX of 2024 TV stopped working, Came to the conclusion the cable box was the problem and the dish needed to be moved. XXXX XXXX made a appointment for a technician to come and repair this on XX/XX/2024 between XXXX to XXXX XXXX. So I stayed home that day and waited they never showed up or even called me. So I called XXXX XXXX and complained so they made another appointment on XX/XX/2024 between XXXX to XXXX this time I got a confirmation # XXXX. They did not show up nor did they call me. That is twice they did this to me. That is bad service .So I called them and to cancel my service. They sent me a letter that said they did not need the cable box equipment back to discard it. Then I received an invoice from them for service that I could not use and charged me for not returning the equipment that they told me to through out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
My report numerous addresses, phone numbers, and businesses that are not mine! I also see that there are numerous hard inquiries on my report from different companies that had no permission to do so. I have multiple inquiries and accounts that are fraudulent and the information is incorrect and not in connection to my name. I called all three bureaus and asked for the information to be removed and deleted from my records and report for theyre incorrect and I will see into doing a identity theft 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 2024-11-03 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: IL

Complaint narrative:
Reporting duplicate collection accounts on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I spoke with MCM and asked them to Validate the debt and email me a debt agreement from the creditor. MCM would not speak with me and told me to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was scared so I started paying the law office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion is the only one of the " Big 3 '' credit reporting firms to not verify my identity via verification codes which they, themselves, have sent to me via text message.

I need to be able to access and freeze access to my credit from any parties who may want to steal my identity, etc. 
Transunion appears to be unable or unwilling to assist me in accessing the account which I created with them in XX/XX/year>. 
Please advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
hardships, been going at this for years. I have had enough and will aggressive use my rights to pursue litigation if all does not cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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 have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account beforeI seek litigation for defamation of character ). 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 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 explanation
Consumer complaint received 2024-11-03 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
This is my original claim against Coinbase ; My coinbase acct was compromised and they stole my life saving money of {$56000.00}. Based on the XXXX XXXX, coinbase are known for stealing peoples money. They have a long history about fraud and have cases with SEC. Someone got a hold of my acct and did several transfer from my bank to this coinbase. The first one was on XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$10000.00}, XX/XX/XXXX again for {$5000.00}, XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$30000.00} and XX/XX/XXXX for {$1500.00}. I have talked to several coinbase agents and they assured me that i am qualified for a one time credit but they kept me hangin for nothing and then decided that they cant help anymore. I have all the proofs and screenshots of our communications tru email and i got tired waiting for them. I reopen the case and they said that its still under investigation and i am not waiting anymore for nothing. Sooo many Americans lost or loosing a lot of money from this coinbase company and they should be penalized for what their doing wrong to us. Its our hard earned money that they stole here. And i really need help pls. My coinbase case number is XXXX. Thanks, XXXX The reason why im filing another case against coinbase is, when I checked my acct, seems there is magically thing happened. It says that I deposit some cash on XX/XX/XXXX and the money is ready to be widraw on the said date at XXXX. Like I said that this is an inside job. Coinbase can magically put some money and can magically removed some money on peoples acct. 
PS. I didnt deposit any cash on XX/XX/XXXX. Coinbase prevented me from doing anything in my acct and now im seeing that theres money and it will be ready to be widraw after XXXX? Coinbase can do some magic and I strongly believe that they are the ones who took my {$56000.00}. And I want it back, this is my life saving money and I need it. Pls CFPB, pls do all your research about this company Coinbase and when you get a chance, pls go to XXXX and you will see many Americans lost or loosing money from this company. 
Ps. I attached my proof here and contacted their CEO XXXX XXXX to do something with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I became aware of fraud withdrawals from my checking account while in the Chase Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, amount totaling {$51000.00}. I was there to open a new CD account. The representative called the Fraud Department to take the information and open the case. The representative said he would get back to me to do the paperwork. He called me on XX/XX/XXXX to file the paperwork, which I did on the same day. I also requested copy of security camera footage ; I was told the camera footage was fuzzy. I did file the police report on XX/XX/XXXX and gave a copy to the bank immediately when the report was available to me. After many conversations with fraud department, and following up with doing exactly what the bank requested, these insured funds were denied reimbursement. The reason given to me was that I was negligent in protecting my pin number, telling me that I gave it to someone. This is completely false. I have never given my pin number to anyone. They never provided any proof of this allegation. As a senior citizen living on a fixed income this is devastating, and I implore the Consumer Financial Protection Bureau to help reverse this unjust decision by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
I do not reconize these items on my credit report XXXX. Personal credit card or credit line at XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXXA personal loan at XXXX, opened XX/XX/XXXX XXXX. A personal loan at XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: TX

Complaint narrative:
Apparently this {$9100.00} debt was added to my credit on XX/XX/XXXX but I was only made aware of the debt on XX/XX/XXXX when XXXX XXXX notified me. I have not received any mail, phone calls, or emails from Plaza service. They have not notified me of my right to dispute nor have they verified that the information they have is correct. XXXX XXXX XXXX offered me a pay off amount of {$1100.00} to take care of the debt but I did not have a job or housing at the time. XXXX closed the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is a second complaint regarding the same issue ( # XXXX ). 
All requested documents have been provided to company. Emails sent in XXXX and XX/XX/XXXX, have not been responded to by the assigned individual, XXXX XXXX. 

I contacted Customer Service at NewRez on XX/XX/XXXX, and was told by Supervisor XXXX XXXX an assumption should not take this long and a complaint would be escalated. 

This assumption request was started in XX/XX/XXXX, and it still has not been completed.

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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid my XXXX payment on my Wells Fargo home improvement card early, and they did not count it toward XXXX and they charged me a late fee. Then they charged me again for 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 monetary relief
Consumer complaint received 2024-11-03 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe to XXXX  XXXX, XXXX. with the account number XXXX. I have received communication from your agency regarding this debt under the name XXXX XXXX ; however, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification before I proceed further. 

Please provide the following information in writing to ensure this debt is valid and belongs to me : Verification of the Debt Amount : An itemized breakdown of the amount you claim I owe, including fees, interest, and any payments made. 
Proof of Ownership : Documentation that shows XXXX XXXX, XXXX. assigned or sold this debt to you for collection. 
Details of the Original Creditor : The name and contact information of the original creditor, XXXX XXXX, XXXX, along with any applicable account statements that show my alleged debt to them. 
Proof of My Obligation : Copies of any signed contracts, loan agreements, or statements that establish my responsibility for this debt. 
In addition, please cease any collection efforts until you have provided the requested information in writing, as required by the FDCPA. This letter also serves as a formal notice to not report or to cease reporting this debt to any credit reporting agencies until validation has been provided and this matter has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response with the requested documentation.

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 2024-11-03 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: DISCOVER BANK
State: IL

Complaint narrative:
I am requesting that these unauthorized inquiries be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm continuously reports to the bureau every month for an inaccurate late payment, on a loan I paid 2 years ago. The most recent report was XX/XX/year>. On XX/XX/year>, I called affirm and asked if there were any permissible purposes to reporting to my credit continuously with inaccurate information. They explained why it was reported, and I responded that the information was not correct and did not correlate with whats being reported on my account. They refuse to remove it, even though the reports did not add up and weren't accurate. This is in violation of 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/XXXX ChexSystems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Dispute of XXXX XXXX  XXXX Account XXXX XXXX Balance To Whom It May Concern, I am writing to formally dispute inaccurate information on my ChexSystems report regarding My personal information, and an account with XXXX XXXX  XXXX XXXX Below are the details related to the account and information in question : Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Phone Numbers : XXXX. This information is inaccurate and is not associated with my personal information. 

Bank Name XXXX XXXX XXXXXXXX XXXX Account XXXX : {$290.00} ( Paid ) Account Closure Date : XX/XX/XXXX According to my records, the balance of {$290.00} was fully paid, and the account was closed on XX/XX/XXXX. I believe this account should not be negatively impacting my ChexSystems report, as the balance has been cleared and all obligations fulfilled. Please investigate this matter, and I would appreciate if you could remove any negative reporting related to this closed account, as it inaccurately reflects my financial standing. Enclosed, you will find supporting documentation, including proof of payment and account closure confirmation. Thank you for your prompt attention to this matter. Please inform me of the process and outcome of your investigation at your earliest convenience.

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