vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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:
My account on the CoinBase is locked ( or the time I figure out ) for any transaction about two months ago ( XX/XX/2024 ) : I reached out to customer support multiple times ( through phone, XXXX XXXX, and XXXX ). They all responded me in the same way : the case is being actively reviewed and I have to continue to wait. However, there has been no update or response from customer support. The amount in the account ( more than {$10000.00} ) is a considerable amount of all my assert, which is a very frustrating experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 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: WI

Complaint narrative:
Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX  Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Someone stole my identity my phone and went into my XXXX XXXX and changed my pay election and put it to fake account that was made in my name. Then I told them before the money was gone and by time they responded days later if now. And they did the next pay check as well to same banks XXXX XXXX XXXXXXXX and they having knowledge of the identity theft and still refusing to pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
on XX/XX/year> there were 4 transaction made on my account that i didnt make or authorize 2 charges for XXXX ea and XXXX for XXXX ea i made a transaction or {$100.00} that morning around XXXX and i had to have the customer service help me because i couldnt see that well shortly after that i was taken to the XXXX  i arrived at the XXXX  at around XXXX XXXX  i was signed in at XXXX XXXX  i was there till after XXXX XXXX  then went to the pharmacy then home these XXXX transactions were done between XXXX  and XXXX XXXX  i have proof that backs up that i was in the XXXX  at the time venmo denied my claim even my appeal because they dont want to admit they were wrong i can prove i wasnt around the atm they say i used i cant be in 2 places at one time, this has been a big problem i didnt even know these transactions had taken place my venmo mobile app wasnt working it didnt alert me to any transactions after getting home from the pharmacy i made a transfer from my venmo account to my pay pal account i sent it to the wrong account by mistake but i got that taken care of cause i knew the person they refunded my money but my app wasnt letting me see my transaction history or balance so i sent message to venmo and asked them about this they responded to me the following morning thats when i was made aware of these 4 transactions i file dispute right then i also cancelled my card and ordered a new one i told them that i was in the hospital and that i had not been able to find my card or my receipt and still has not been located to to this day at the time of my dispute i didnt have all my paper work they denied my claim and my appeal and there reasoning doesnt make sense i will send a copy of there decisions i hope you can help this is frustrating because it seems now they are messing with my account becaus its constantly being frozen and im not able totransfer funds to accounts i had no problem transfering to before they have been holding my funds for days at a time and they just keep making up excuses i will send all my papaer work that i have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: Regional Management Corporation
State: GA

Complaint narrative:
Fraudulent credit items on my credit report, that does not pertain and transactions made by me. The information is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: RFNA, LP
State: GA

Complaint narrative:
Fraudulent credit items on my credit report, that does not pertain and transactions made by me. The information is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-25 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: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CT

Complaint narrative:
This is a very old debt from 2014 it says on the email they sent.. Ive dispute of my credit report from I believe the Jefferson Capital company years ago. The original company was XXXX and I think the phone line was suppose to be purchased from another company and it didn't go through. And somehow XXXX XXXX now has it. And because I've disputed this once with the other company I'm contacting you all ; before this goes any further, and somehow ends up back on my credit report. Im unsure of how they even got my email address. And they still have the address listed from when I switched lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint Against Equifax for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On [ date ], I submitted a comprehensive request to Equifax to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, Equifax rejected my request, stating that proper identification was not provided. 

I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of Equifax. Enclosed with my original request were the following documents : A signed and dated dispute letter outlining the inaccuracies on my credit report. 
Copies of my credit reports from XXXX, XXXX, and Equifax highlighting the disputed items. 
A copy of my government-issued identification ( driver 's license ). 
A copy of my Social Security card. 
A recent utility bill verifying my current address. 
Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed Equifaxs guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 

Violations of Law I believe that Equifax 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. 
15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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. 
Requested Actions In light of this, I respectfully request the following actions :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the misconduct of Experian, a leading credit reporting agency. Despite providing all necessary documentation per Section 605C regulations, Experian has failed to remove negative items from my credit report, causing significant harm to my financial reputation. 

On XX/XX/XXXX, I diligently submitted trafficking documentation through the designated trafficking dispute website for Experian. In the process, I experienced multiple challenges accessing the website and when I did eventually get access the system kept timing out forcing me to lose all previously entered information. Regrettably, I received no email confirmation of receipt or written acknowledgment of the status of my submission. Despite my repeated efforts to navigate the system and ensuring proper documentation, the need for more transparency and accountability on Experian 's part is deeply concerning. 

It is imperative to highlight that the determination letter provided by the non-governmental 501-C3 organization does comply with federal requirements and meets the criteria as a representative of a nongovernmental entity actively combatting XXXX XXXX  The organization is engaged in identifying XXXX XXXX XXXX  providing essential services to victims, conducting community outreach and awareness programs, offering training on prevention, and undertaking various initiatives to combat XXXX XXXX 

Moreover, it is particularly alarming that Experian did not attempt to contact the organization for further clarification, despite the contact information being readily available. This lack of due diligence on their part is not only unjust but also a blatant violation of federal laws of fair credit reporting practices.

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 2024-07-25 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Fraudulent credit items on my credit report, that does not pertain and transactions made by me. The information is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
These inquires are unknow and not authorized by me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-07-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquires are unknow and not authorized by me, XXXX XXXX XXXX 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 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

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 2024-07-25 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: MN

Complaint narrative:
This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-07-25 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: MN

Complaint narrative:
This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief