vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Here is a draft for your CFPB complaint against BMW Financial Services based on the document you provided : -- - **Subject : ** Illegal Repossession and Demand for Vehicle Release **Complaint Against : ** BMW Financial Services XXXX*Account Number : ** XXXX **Vehicle VIN : ** XXXX XXXX*Complaint Details : ** On XX/XX/XXXX, I sold my vehicle, XXXX XXXX, to XXXX XXXX XXXX. He is now the legal owner of the vehicle, holding a free and clear Florida title. Prior to the sale, the lien on the vehicle was released on or about XX/XX/XXXX, after payment was received and processed by BMW Financial Services NA. This release was confirmed by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), which provided a title reflecting no liens. 

Despite the lien release and subsequent sale, BMW Financial Services authorized a third-party company, " XXXX XXXX '' to repossess the vehicle illegally. This action was carried out without verification of ownership, as confirmed by " XXXX XXXX '' during a phone conversation. This repossession constitutes an illegal seizure of property and a violation of the rights of both the current owner, XXXX XXXX XXXX, and myself, the previous owner. 

I have already filed an arbitration claim with the XXXX against BMW Financial Services and BMW Bank of North America. Additionally, I intend to file a lawsuit against " XXXX XXXX  '' for their unlawful involvement in this matter. 

Please address this complaint promptly to prevent further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I opened an account on Coinbase. The purpose was to XXXX XXXX XXXX for use on a separate exchange. Coinbase offered several options for transferring funds into the account. The Coinbase website said that using XXXX would let me access my funds immediately. I transferred {$200.00}, plus {$9.00} for Coinbase 's transfer fees, for a total of {$200.00}. On XX/XX/year>, I received an email notice from Coinbase which said that my account access was restricted until XX/XX/year>. The email claimed that the delay was because it expected to receive payment from my bank. This was not the representation that Coinbase made. I needed to complete my transaction before XX/XX/year>, so I asked for a refund. 

I contacted Coinbase 's customer service and ( after an extensive delay ) was told that Coinbase could not undo the transaction and to contact XXXX. XXXX informed me that my sole recourse was to go through Coinbase. On XX/XX/year> I received another email notice which said that my account would be restricted for another 9 business days ( i.e. until XX/XX/year> ). No explanation was given. Meanwhile, I obtained proof that my bank XXXX XXXX XXXX XXXXXXXX XXXX and XXXX had both cleared the transaction and that Coinbase had my money. I have had multiple conversations with Coinbase customer service. During one of those chats, Coinbase admitted that it had my money ( my account shows a balance of {$200.00} ). 

I have made multiple attempts to withdraw the money I deposited into the account. Coinbase refuses to let me do so. It claims I must wait until XX/XX/year>. This is fraud as their representation was immediate access and I am now looking at a minimum of a 30 day delay. I am worried that I will not be able to get my money back. I expect that Coinbase will manufacture a further delay an further restrict my account for an indeterminate amount of time. Worse, I will receive no compensation, or interest for the use of my money, during this period. I am writing in the hope that XXXX can help me get my money back from Coinbase. If there is any way to penalize Coinbase, issue a fine, or implement any other disciplinary action, I will be happy to cooperate in any such effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MD

Complaint narrative:
I am writing to dispute several collection accounts listed on my credit report that I believe to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( 15 U.S.C. 1681i ) of the FCRA requires that credit reporting agencies conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate or unverifiable.

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/year> TransUnion

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 2024-08-15 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I submitted in writing for the three credit bureaus XXXX XXXX and XXXX to be removed off my credit report. The U S Bankruptcy verified they do report to the credit bureaus. They refused to removed the bankruptcy.

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 2024-08-15 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: KY

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit 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 2024-08-15 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: KY

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX XXXXXXXX Date XXXX Account Number Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount 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 2024-08-15 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:
XXXX XXXX XXXX XXXX XXXXFalse address I don't recognize. All of my rights were violated, 15 U.S.C 6802,15 U.S.C 1681,15 U.S.C 1681B,15 U.S.C 6801.This company is in clear violation of breaking these laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to reach Experian to upgrade my membership because my personal information is on the dark website. I want it removed. I called for 3 days, because I needed to speak with a live agent to help me to process the upgrade! But there were no Agents to speak with me. I'm frustrated and scared because of this situation. 
I need help ASAP. Experian need to notify 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 explanation
Consumer complaint received 2024-08-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: 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 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
Being a knowledgeable customer who is aware of the Fair Credit Reporting Act ( FCRA ), I am utilizing my rights as outlined in Sections 609 and 611 to dispute these errors and ask that they be fixed. 

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there might be a detrimental effect on my well-established reputation for upholding perfect financial standing. 

My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Your prompt action to correct the errors on my credit report is crucial, as evidenced by the potential difficulties I may encounter when applying for credit. 

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Do not hesitate to get in touch with me if you need any more details or explanation. For your time and anticipated cooperation, I thank you in advance.

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 2024-08-15 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: TN

Complaint narrative:
Being a knowledgeable customer who is aware of the Fair Credit Reporting Act ( FCRA ), I am utilizing my rights as outlined in Sections 609 and 611 to dispute these errors and ask that they be fixed.

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there might be a detrimental effect on my well-established reputation for upholding perfect financial standing. 

My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Your prompt action to correct the errors on my credit report is crucial, as evidenced by the potential difficulties I may encounter when applying for credit. 

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Do not hesitate to get in touch with me if you need any more details or explanation. For your time and anticipated cooperation, I thank you in advance.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Sent a request for debt verification showing my signature on a contract with Caine and weiner have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
So in the account THE GOLDMAN SACHS GROUP LLC, under my social security is a phone number that's not mine and a email address that is not mines and at an address where I don't reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MD

Complaint narrative:
I am writing to dispute several collection accounts listed on my credit report that I believe to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( 15 U.S.C. 1681i ) of the FCRA requires that credit reporting agencies conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MD

Complaint narrative:
I am writing to dispute several collection accounts listed on my credit report that I believe to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( 15 U.S.C. 1681i ) of the FCRA requires that credit reporting agencies conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate or unverifiable.

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 2024-08-15 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief