vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, XXXX and Transunion Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : 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 ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/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, Medical 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : 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 ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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, Medical XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

Complaint narrative:
Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.

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 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Commencing on or around XXXX XXXX, 2022, i fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC from my Bank account to Coinbase at the instructions of the XXXX. 

On XXXX XX/XX/2022, coinbase response to my complaint with the below email Your Formal Complaint to Coinbase We are responding to a complaint you submitted on XXXX XXXX 2022, ( Complaint ) to Coinbase regarding a Coinbase customer who you believe defrauded you. 


Coinbase is investigating your report. However, we are unable to share any information regarding a Coinbase customer account without a valid, enforceable court order. 


Coinbase is very sympathetic to the situation in which you find yourself. We encourage you to continue to work with your bank to resolve this matter. Additionally, your local law enforcement may also be of assistance to you, including the FBIs Internet Crime Complaint Center ( www.ic3.gov ). Coinbase fully cooperates with law enforcement investigations. 


Coinbase considers your complaint closed. 


Kind Regards, XXXX Coinbase Customer Complaint Officer Please attached is the full details in a pdf letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my XXXX  credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXX XXXX. 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at XXXX and remove this so-called debt from my account with your company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
EQUIFAX IS REFUSING TO REMOVE FRAUDULENT INFORMATION FROM MY CREDIT REPORT, EVEN AFTER I SUBMITTED PROOF OF FRAUDULENT INQUIRIES SUBMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023, I received a notification from the credit bureau that my payments are past due with Wells Fargo. I know for a fact that I always made payments ahead of time. However, when I asked my wife if she has received any credit card statements from Wells Fargo, she informed that she has not received any statements for quite sometime. As a matter of fact she said, we only received about 4 statements since the inception of this credit card. I contacted Wells Fargo customer service and informed me that my case has been transferred to Wells Fargo collection. I am confused because I never received any phone call or letter from Wells Fargo collection. And yet the first I am hearing of a past due account is through a credit report. Wells Fargo never communicated with me to rectify this problem. When I brought this issue to the customer service and also to the collections person, they just did not care. As a consumer I am expected to be perfect since this affects my credit report. However, I also expect Wells Fargo to respect my right as a consumer and send me my billing statement and give me a chance to fix the problem. Unfortunately, Wells Fargo never respected my right as a consumer. I paid the total amount already which will be received tomorrow. I worked hard for my credit score. Hence, I am requesting CFPB to assist me in removing that past due on my credit report since I never received my credit card statements nor was I informed of a past due amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: FL

Complaint narrative:
I have been the victim of identity theft. I have tried numerous times to get this Collection from Orions Management LLC removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from XXXX XXXX XXXX XXXX XXXX which I have attached here indicating that I am not liable for this debt. Orions insists that it is a different account number. I contacted XXXX, they advised me that it is in fact the same account and that they requested a buy back from Orions of XX/XX/2023 and Orions has not responded. I have been a victim of a crime and Orions Management refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Reviewing my account and payment history. Capital One is reporting a late payment to both XXXX and XXXX for the month of XXXX. This information is false, and the history shows where I even paid extra for that specific month. I will attach the payment history from their own website. 

I attempted to reach out to Capital One on numerous days, only to be hung up during an automated transfer several times. I tried their chat system, and it directed me to call. They are also not reporting all of my payments monthly on my consumer report. 

The law states this information has to be 100 % accurate, or it must be removed or deleted. 
I am requesting that it be deleted from both my XXXX and XXXX consumer report. Furthermore, I did not give them permission to furnish this info to the reporting agencies. 

FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) state this information is to be excluded from being reported to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
credit compaines are not providing info to provide that verification was verified nothing has been sent to me in written form. never explained how was update just believe it's violation to FCA laws

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 2023-03-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
credit compaines are not providing info to provide that verification was verified nothing has been sent to me in written form. never explained how was update just believe it's violation to FCA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I opened a " loan '' with XXXX on XX/XX/XXXX. {$500.00} I had immediate access and {$1500.00} was in a " locked saving account ''. I was way ahead on paying the " loan '' off and by XXXX had the actual loan of funds that I had been given fully paid so the " savings '' had more than the " loan ''. Shortly thereafter I went to make another payment and both the " loan '' and " savings account '' had disappeared with a note that they were being transferred to another company. 

It took over two weeks to even find out what company it was and to get any information whatsoever. 

Once I had access to the new " loan '' I tried over and over to use the " savings '' to pay it off and close them both due to the lack of transparency and sense of dishonesty. They just kept sending me back and forth between the two companies and refusing to do anything. 

So I have been trying to pay it off asap and get away from this. It is clearly a scam. The links in the emails from " SST '' go to unsecured pages and now the entire website is very clearly fake ( the fake website I first saw today ). I have screenshots of everything and need to get this fixed. They have now scammed us out of XXXX and XXXX  of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

Complaint narrative:
Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.

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 2023-03-01 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: TX

Complaint narrative:
Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Credit acceptance is the company They are willingly knowingly violating my consumer credit transaction rights all charges are not included and they never disclose this with me at agreement remaining balance {$15000.00} agreement was established in XX/XX/2019 total of XXXX roughly.. Try calling them several times keep getting hung up on talk to a lady wants and she said she didnt know anything about my contract because she wasnt there.. They except truth in lending so I shouldnt have to pay a down payment and I paid a {$1500.00} down payment on XX/XX/2019 I was never told our disclose any of that information about the down payment

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 2023-03-01 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: TX

Complaint narrative:
XXXX is reporting a charged off account on my credit reports that is reporting multiple inaccuracies. I have been disputing this account for some time with each credit bureau as well with XXXX directly and have not reached any type of resolution. They have not sent me any documents concerning this debt and they are reporting and validating different information with each bureau. It is the responsibility of the consumer reporting agencies to report accurate information and they are in clear violation of my rights as a consumer. Each bureau is reporting different past due balances, last active dates and last payment dates. If all credit bureaus get their information from the same place how is it they are all verifying different information for the same account? I am requesting that this account is deleted from my reports now!

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 2023-03-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

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 2023-03-01 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have been the victim of identity theft. I have tried numerous times to get this Collection from XXXX XXXX XXXX removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from Genesis FS Card Services/Indigo Mastercard which I have attached here indicating that I am not liable for this debt. XXXX insists that it is a different account number. I contacted Genesis, they advised me that it is in fact the same account and that they requested a buy back from XXXX of XX/XX/2023 and XXXX has not responded. I have been a victim of a crime and XXXX XXXX refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.

Company response to consumer: Closed with explanation