vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I pulled a copy of my reports and saw the following fraudulent items that do not belong to me as well as the following inquires. I have disputed and the items always come back " verified. '' There are also multiple new inquires on my credit report that I did not initiate : Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires to be removed : XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/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 2024-12-07 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: TX

Complaint narrative:
I noticed some accounts on my report that do not belong to me.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I spend up a Citibank card with a XXXX deposit. I was late on a payment and my account was closed. I called and was told I would receive my original deposit of XXXX back to wait a week. If I didn't receive it to call back, time passed and nothing so I called. I was then told I was charged a late fee and I would be receiving lesser amount and that it was deposited via direct deposit. I waited and waited and nothing. I called AGAIN and was told I would receive a check in the mail for XXXX to call back by XX/XX/XXXX if I didn't receive anything. I CALLED AGAIN TODAY SINCE I HAVE NOT RECEIVED MY XXXX MONEY YET. I was told a lesser amount XXXX has been sent out. I hung up because EVERY SINGLE TIME I CALL I GET TOLD SOMETHING COMPLETELY DIFFERENT. I just want MY MONEY BACK XXXX!!!!!!!!! IMMEDIATELY!!!

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 2024-12-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX  opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX  opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft.

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 2024-12-07 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: NC

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX account ( Account XXXX : XXXX ) on my Experian credit report. The account contains several false late payment entries. I have always made on-time payments, and the reported late payments are entirely incorrect. 

This inaccurate reporting violates 15 U.S. Code 1681a ( 2 ) ( xi ), which ensures my right to accurate and verifiable credit information, as well as 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, which require proper investigation and resolution of such errors.

I previously submitted a dispute to Experian, but they have not corrected the inaccurate late payments or provided verification of the account details. These errors harm my creditworthiness and falsely portray my financial behavior.

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 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WV

Complaint narrative:
Nissan put account as delinquent on credit. The account was paid on time. Nissan said it was credited to wrong account on their end and verified not delinquent. Credit score dropped almost XXXX points due to this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
Hello I, XXXX XXXX applied for the American Express XXXX XXXX CREDIT CARD XX/XX/year>, However, additional verification is required will you please open a secured messaging channel to verify my identity? Ref : XXXX I can not provide a letter from my bank confirming my home address, because I'm not driving at the moment, so this letter is not easily accessible. Nor am I able to use my camera phone to take pictures, unfortunately, I dropped my phone and broke the cameras. I am waiting for my insurance to replace it. However, the application may expire before it is replaced. Additionally, I have taken the necessary steps to secure my personal information and prevent identity theft. Please remove restrictions on my application. 
Thank you for your prompt attention to this matter. I look forward to being approved and I will use my credit card responsibly as a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Other reviewing my credit reports i notice some accounts that I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. Due to my information being exposed, i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, and notarized data breach affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Dear Sunrise credit I am writing about a debt you claim I owe. I just wanted to let you know that I received your collection notice. Under the Fair Debt Collection Practices Act ( FDCPA ), I request this debt 's validation. Please provide the following information : 1. The name and address of the original creditor 2. The amount of debt, including a detailed breakdown of fees, interest, and other charges. 
3. Proof that you have legal authority to collect this debt. 
4. Documentation showing that I am responsible for the debt. 

Additionally, I request that all communication regarding this matter be in writing. Until you have provided the requested information, I ask that you cease all collection activities as required by law. 

Please consider this letter a formal dispute of the alleged debt. Failure to provide this information will result in me filing a complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Subject : Formal Response to XXXXXXXX XXXX Noncompliance with U.S. Codes and CFPB Guidelines. 
XXXX XXXX Department, I am writing in response to your inadequate and dismissive handling of my complaint submitted through the CFPB Complaint Portal. Your response regarding the tradeline from NATIONAL CREDIT ADJUSTERS demonstrates a clear disregard for your obligations under federal law, including the Fair Credit Reporting Act ( FCRA ) and guidelines established by the Consumer Financial Protection Bureau ( CFPB ). Your vague assertion that XXXX is either currently processing that dispute or has recently provided results is not only insufficient but also a blatant violation of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a dispute is submitted. By failing to provide transparency in your investigation process and evidence supporting the disputed tradeline, you are in clear noncompliance with the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 2 ) you are required to notify the furnisher of disputed information promptly and provide them with all relevant information regarding the dispute. Your failure to ensure the completeness and accuracy of the investigation violates this provision. Additionally, if the information can not be verified, it must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) Your approach is disrespectful not only to me as a consumer but also to the regulatory framework established by the CFPB, which emphasizes the importance of fair and accurate reporting practices. The continued presence of inaccurate information in my credit file and your vague responses highlight systemic noncompliance with federal law and CFPB guidelines.

I demand the following actions : 1. A **detailed explanation** of the investigation process you conducted regarding this specific tradeline.

2. **Full disclosure of all evidence and correspondence** from NATIONAL CREDIT ADJUSTERS used to substantiate their claim.

3. Immediate deletion of unverifiable or inaccurate information, as required by **15 U.S.C. 1681i ( a ) ( 5 ) **.

4. A mailed copy of my **updated credit report** showing all corrections made.

Failure to meet these obligations will result in additional regulatory complaints and legal action. Under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, you are liable for both willful and negligent noncompliance with the FCRA , including statutory damages, actual damages, and attorney fees.

I expect a comprehensive response and resolution within 15 days. Any further evasion or noncompliance will be reported to the CFPB and other regulatory agencies for review and enforcement action. 
XXXX XXXX social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I have an account with Coinbase where funds were deposited and settled on XX/XX/year>. Up until today ( XX/XX/year> ), I have been able to buy, sell, send and convert my assets on the Coinbase account with no problem. Now, my balance shows correctly, but my account on both Coinbase 's web browser and mobile application say that I have {$0.00} available to sell or send, but my balance is still > {$2000.00}. My funds are being stolen from me as Coinbase is not allowing me to withdraw the funds i have deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. 

Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. 

Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. 

Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXX XXXX XXXX  ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX  XXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I contacted XXXX XXXX in XX/XX/XXXX with a legal/lawful notice that they are making ultra-vires actions, violating my consumer rights and right to privacy, reporting my personal private transaction history without my written consent per 15 USC 1681 604 A. 
Letting the know they are in violation of the Privacy Act of 1974. Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned. Also, other violations such as : 15 USC 1681 Section 602 A, The Frank-Dodd Act, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681c ( A ) ( 2 ) ( A ) ( i ), 15 USC 6802, The FACT Act section 623 ( a ) ( 7 ). Also, violation of due process, trespass & defamation of character. 
Emotional distress and discriminatory denial of credit causing irreparable harm and hardship. 
They denied my request. 
I invoiced them for {$10000.00} for their violations and causing injury to me. My request was ignored.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had 2 balance transfer promotions with Discover Card on my XX/XX/XXXX billing statement : 1 ) Balance Transfer at 5.99 % APR expiring XX/XX/XXXX in the amount of {$1500.00} 2 ) Balance Transfer at 6.99 % APR expiring XX/XX/XXXX in the amount of {$1700.00} I made a payment on XX/XX/XXXX in the amount of {$1600.00} to payoff the balance transfer promotion expiring soonest on XX/XX/XXXX so that I could continue to take advantage of my promo that expires next year. Instead, Discover applied my funds towards the promo that expires XX/XX/XXXX and let my XX/XX/XXXX promo expire so that I'm now paying 25.74 % regular APR. 

I called Discover on XX/XX/XXXX to kindly ask that they reverse the my payment and apply to the 1st balance transfer with remaining balance of {$1500.00} and they refused saying that their policy is for payments to go towards higher APRs first, even if the customer has explicitly requested otherwise. This was unfair, deceptive and abusive and they need to comply with my request. 

I let them know that my phone conversation was recorded as well and asked if they'd like to reconsider to which they said no. 

I'd like resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Consumer portfolio services abused the use of my credit report by running it with themselves 4 times resolving in 4 hard credit inquiries. I am trying to rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 explanation