vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 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: FL

Complaint narrative:
This is my FURTHER Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any ACCOUNTS which were opened without my knowledge, consent, or authority within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-11-23 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: OH

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 3 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 : {$650.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ON THURSDAY, XX/XX/2023., AT AROUND XXXX  A DISPUTE LETTER WAS MAILED TO THE CREDIT BUREAU TO THE ADDRESS AS LISTED: (EXPERIAN XXXX XXXX XXXX TX XXXX.) NO RESPONSE OR ACKNOWLEDGEMENT FROM EXPERIAN PLC., REGARDING THE DISPUTE LETTER. FAILURE OF SUCH ACTION FROM THIS CREDIT REPORTING BUREAU CAUSED A SERIES OF EMOTIONAL DISTRESS REGARDING THE MULTIPLE ERRORS, AND INACCURATE INFORMATION THAT WAS REPORTED TO CAUSE A NEGATIVE XXXX POINT DROP. THIS COMPLAINT IS FOR DISCRIMINATION, AND RETALIATION FOR UTILIZING RIGHTS TO DISPUTE INACCURATE INFORMATION TO A CREDIT REPORTING BUREAU.

ISSUE 1) ON XX/XX/23, I MADE A $XXXX  PAYMENT TOWARDS MY XXXX XXXX  ACCOUNT. ON XX/XX/2023, EXPERIAN PLC, REPORTED TO XXXX XXXX XXXX  WHICH CAUSED A NEGATIVE XXXX  POINTS REGARDING MY XXXX XXXX  ACCOUNT BALANCE STATING: BETWEEN XXXX XXXX, 2023 AND XXXX XXXX  2023, YOUR XXXX XXXX ACCOUNT BALANCE DECREASED BY $XXXX FROM $XXXX TO $ XXXX A DISPUTE LETTER WAS MAILED TO EXPERIAN PLC., WITH PROVIDED DOCUMENTS OF THE STATEMENT OF FACTS.

ISSUE 2) ON XX/XX/23 A LETTER TO XXXX XXXX XXXX WAS MAILED TO THE ADDRESS AS LISTED: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THE LETTER WAS THEN RETURNED TO THE ADDRESS ON THE ENVELOPE.

PLEASE CONTACT ME WITH FURTHER UPDATED REGARDING THIS MATTER AS SOON AS POSSIBLE.

INTELLIGENCE BY: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
When i login to the XXXX Report found certain unusual activity with the final reports. 
There are lots of accounts shows which not belongs to me and when i tried to fix it but company is charging XXXXXXXX XXXX  money for that. 
Its totally unfair to me. 

Seeking help in order to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 3 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 : {$650.00}-

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: WA

Complaint narrative:
tried to change phone number on online account profile four times, never worked. Reported problem to experian. Got auto emails and no assistance with correcting incorrect information on my " credit account ''. The online account management is not working. The experian customer service is just an auto reply garbage collector. It is a crime that the credit reporting agencies ( experian ) can suck up all information about you, but can not manage or protect it. Oversight and regulation and penalties for mismanaging critical personally identifiable information is sorely needed. Credit information these vampires collect directly affects your ability to get credit, your job, and your insurance. still waiting for assistance beyond an auto email saying experian says " try again ''. XXXX and XXXX can do the job, why cant experian?

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 2023-11-23 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: OH

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 

XXXX XXXX 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 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase case XXXX The amounts in question are as follows : XXXX  = XXXX XXXX XXXX  = XXXX XXXX XXXX XXXX Moving funds to cold wallet. First time no problem second time asked to take a picture holding copy of driving license. This transaction went through. Tried again was asked to to take picture holding driving license this transaction did not go through. 

Tried again different log on screen - your account is being closed please move your funds to cold wallet. I contacted Coinbase support they told me the account is under review. When I try to move funds am directed to Coinbase support again they tell me that the account is under review. 

XXXX XXXX Logged into account can not see balances contacted Coinbase support was told to try a number of steps which I tried however, I have done nothing different to what I was doing before so definitely the issue is not my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681 ), specifically section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. In this context, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, have the right to ensure the confidentiality of my private information. This right is supported by 15 USC 6801, which declares the Congress 's policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. 

Pertaining to the disclosure of consumer reports, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I assert that neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent or written authorization to furnish this information, revoking any prior consent, be it verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their option to exercise nondisclosure. However, the furnisher of information to credit agencies failed to provide me with information regarding my right to exercise the nondisclosure option. 

Furthermore, the reporting of adverse information without my permission is a violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless related to convictions of crimes that precede the report by more than seven years.

Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) stipulates that a person shall not furnish inaccurate information to a consumer reporting agency. XXXX and Experian 's actions in reporting adverse information without my consent constitute a violation of this provision. 

The requirement outlined in 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of the Fair Credit Reporting Act. It is evident that XXXX and Experian are not adhering to these reasonable procedures. 

Finally, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of the reporting services provided by XXXX and Experian.

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 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX I was trying to send {$2000.00} to my mortgage holder XXXX XXXX however XXXX XXXX who was a old Mortgage holder was right above XXXX  XXXX in my online banking and I sent a {$2000.00} payment to XXXX XXXX instead of XXXX XXXX. XXXX XXXX  was taken over by Chase Manhattan in I believe XXXX. I contacted Chase who denied they got the payment and blew me off. I contacted the XXXX  State attorney General and what do you know Chase was able to find the payment with the tracking and account numbers I provided via XXXX. Chase has gone back and forth and keep changing required documents they dont like A letter of indemnification has been sent to Chase multiple times and they keep rejecting it they say that they have sent a templet to XXXX of what they want but nothing comes thru they say they fax this info but nothing comes thru. They have refused to send me the templet so I can get it to XXXX. So with out this letter of Indemnification they refuse to return my money my bank has had enough of the stonewalling by Chase not sure what they are being indemnificated from since they should have just returned my money to begin with not sure where to go from here chases Executive offices are slow. to respond wont hardly call back almost never email wont send me the information wont give me a physical address to send information to my belief is they are hoping I will go away and they get to go have lunch on my money. Not sure how they can account to this extra money on their books its not income interest or payment that is owed them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23 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: CA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: CA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23 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: CA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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 2023-11-23 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: CA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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 response to consumer: Closed with explanation