vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My account has been blocked by Coinbase without any reason since XX/XX/2022. My fund is blocked and i can not trade or transfer my money. Initially after several times calling and emailing they said that they need my driver license which they already have it. I resent it to them. After few week and again several times calling and email, coinbase said that there are multile account under my name under different emails. I answered that I only have one account under my name and my email. The other accounts and emails does not belong to me. They have ny answred since more than a month ago despite severl times calling, emailing and chatting with them. They only say I have to wait till review is over. Homw many months this review is going to last. They have done this tbing to alot of people. They freeze, block, and some cases take people 's money from their accounts with out their permission. The have multiple class action lawsuit against them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
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 U.S.C 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX has violated my rights. 

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 an account without my written instructions.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX My social security number incorrect, names on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2022 XXXX charged my credit card an amount of {$170.00} usd the amount appear to be for someone else insurance payment. I disputed the charges with XXXX but they asked to dispute the charges with the Bank, so I did but American Express refuses to resolve the issue, I have opened the dispute 3 times but the company is unwilling to investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IL

Complaint narrative:
Opened a XXXX XXXX XXXX XXXX  card online and shipped to home. Tried activating it ( Account XXXX : XXXX ), submitted driver license via upload. Company denied activation for vague reason " We received your documents ; however, after further review we have determined that this new account can not be activated. According to our records, you had previously opened an account which has been closed. We can not proceed with the activation of this new account or reopen a closed account. '' I followed up " I never had an XXXX XXXX card. 

Please 1 ) Provide all details for the denial, including any information regarding prior cards you believe I have held.

2 ) Regarding any prior cards you believe I have held, please provide the exacts details of the closure and why relevant to opening this account.

3 ) Please provide a copy of the terms and conditions which give legal justification for not activating the account.

Please have compliance investigate and open the account after view or provide the details requested. '' There was a non-response the could not help and refused to investigate. The company has false information or obfusfacting to deny an actual investigation or providing information. This appears to be in violation of the law.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX credit reports are different when compared with my XXXX and transunion is completely different compared to other two. 

I do not have any closed accounts and still these credit reporting companies show as closed accounts Transunion - inaccurate information on my credit XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXXXXXX 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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MP

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to TransUnion, XXXX, which had inaccurate accounts open, inquiries from U.S. Immigration, and 2 Public Records of Bankruptcy 's on my credit file accounts. 

I had to contact XXXX U.S. District Bankruptcy court and the Clerk sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter.

I mailed USPS certified letters to XXXX and the data mining company aplogized and removed 2 Public Records do to inaccurate reporting. TransUnion and XXXX have NOT removed the Public Records under a different name. 

I have a police report and a signed Affidavit from FTC for Identity Theft. I mailed both TransUnion and XXXX the documents from Social Security Administration that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the 2 Public Records concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security Administration letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both TransUnion and XXXX REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing TransUnion for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union refuses to remove an account that was determined not mine. The company XXXX XXXX  verified and confirmed the account has a different last name than mine. I have submitted a copy of the letter from the company XXXX XXXX XXXX. This account has been removed from My other credit reports. XXXX has removed this account and XXXX has removed this as well. According to FCRA inaccurate reporting after investigation is an violation. It is my right as an consumer to have accurate credit reporting.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: MP

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX has violated my rights. 

XXXX5 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.

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 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX  XXXX XXXX bankruptcy has violated my right 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 Its also stated consumer reporting agency without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Social Security number is not listed on Experian and I have address on file thats not mine!

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Act Reporting Agency Act inquiries under the name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602.a States that I have rights to privacy 15 U.S.C. 1681 Section 604.a Section 2 : Also states a consumer reporting agency can not furnish an account or inquiry without my written permission.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to XXXX, Equifax, which had inaccurate accounts open, inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  's on my credit file accounts. 

I had to contact XXXX XXXX XXXX Bankruptcy court and the XXXX sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter. 

I mailed XXXX certified letters to XXXX and the data mining company aplogized and removed XXXX XXXX XXXX do to inaccurate reporting. XXXX and Equifax have NOT removed the XXXX XXXX under a different name. 

I have a police report and a signed XXXX from FTC for Identity Theft. I mailed both XXXX and Equifax the documents from Social Security XXXX that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the XXXX XXXX XXXX concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security XXXX letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both XXXX and Equifax REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing XXXX for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies XXXX XXXX and selling my information

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank # XXXX, XXXX XXXX XXXX Bank # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX  Bank # XXXX XXXX XXXX bank # XXXX XXXX XXXX XXXX Bank # XXXX, has

violated my rights. 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 an account without my written instructions

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our Equifax and XXXX accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX Below is a letter from XXXX XXXX stating to contact the credit bureaus to remove this account. The account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies XXXX XXXX and selling my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
Dark pattern The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies dark pattern and selling my information

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our XXXX and Transunion accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation