vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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: 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:
I consistently ensured timely payments, so I'm puzzled by an error in 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Account info Account number # XXXX Open/closed Closed Date opened XX/XX/2018 Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$14000.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For XXXX years Equifax has been listing and giving a wrong birth date. 
They have multiple wrong addresses listed. 
And they have not updated credit reporting from multiple banks for XXXX years. 
I am having difficulty qualifying for a mortgage because of the birth date error. 
I have made numerous attempts to resolve this problem, including sending multiple forms of I.D . which shows the accurate information.

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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB, Under The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Intent to Sue Dear Experian, I am writing to formally notify you of my intent to initiate legal action against Experian for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information reported on my credit report. 

Despite my previous efforts to dispute the inaccuracies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never resided at this address. l disputed this address on XX/XX/year>, XXXX attempts, to have it removed. Experian has failed to rectify this errors. This inaccuracy has caused, nothing but XXXX  and reactivation of my XXXX. 

Relevant details of my case are as follows : Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, you are obligated to ensure the accuracy and integrity of information provided to consumer reporting agencies. Your failure to investigate and correct these inaccuracies is a violation of my rights as a consumer. 

I am requesting that you take immediate action to investigate and correct the inaccuracies within [ specific timeframe, e.g., XXXX days ] of receiving this letter. If I do not receive a satisfactory response by that date, I will proceed with legal action to seek damages, including but not limited to actual damages, statutory damages, and attorney 's fees. 

Please consider this letter a final opportunity to resolve this matter amicably. I look forward to your prompt response. 

Sincerely, 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 2024-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year> I realized my debit card was missing and that there was fraud charges on my account. I contacted my bank and filed disputes for those charges. One of the questions I was asked was if I still had possession of my card which I said I did not. I even said that my card was lost or stolen on the form they required me to fill out sign and submit back to them. On XXXX XXXX I received an email from my bank stating my dispute was denied because I stated I still had my card and my card was needed to make those transactions.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have been trying to close my account and transfer funds to my XXXX account. They have been verifying XXXX account for months.They continue to take money out of my XXXX account and are not returning. Since XX/XX/year>, they have taken XXXX dollars and only returned XXXX. I have not received my balance in my XXXX account. They are not only holding on to my cash balance for months but are taking more money from my XXXX account. I have asked when my verification money will be returned and they keep pushing the date farther out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with a XXXX XXXX in regards to a collection account ( XXXX XXXX ) she advised me on a recorded line that once this account was paid it would be deleted off my credit report. As of todays date I see the account being paid and closed but had yet to be deleted as promised. Im not sure if you all are telling consumers that just to collect payment but I am requesting it be deleted off my credit report as promised.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I received a credit report alert on XX/XX/year> that my credit score had changed due to a purported XXXX collection account. My XXXX account is not overdue nor has it been in the past ( please see current bill summary in attachment ). 

The company below is obviously engaged in deceptive trade practices, attempting to extort easy money by planting false information in individual credit reports. 

In this case, the company below is claiming I owe XXXX {$520.00}. 

The facts are : I have had the same XXXX account and phone number for approximately 13 years and have never co-signed on any family member accounts or knowingly allowed use of my social security number on anyone else 's account. 

The company reporting false information on my credit reports is : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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: 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: OH

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report even after your investigation, I would like this item immediately reinvestigated. The inaccuracies are high injurious to my credit score, account number XXXX XXXX XXXXXXXX XXXX. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D please provide the names and business address in which individual with whom you verify the account so that I may follow up. Please send me an updated copy of my credit report after you reinvestigation

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase are not releasing my {$590.00} which was more than 1 year I tried to get my money but they keep not releasing my money

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: 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:
I am writing to express my deep concern about the disputed accounts on my credit report. I have repeatedly reported inaccuracies in these accounts and have consistently requested thorough investigations. Despite my ongoing efforts, there has been no resolution or corrective action taken. These errors are significantly damaging my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these inaccuracies have caused me considerable hardship, leaving me with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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: 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: WA

Complaint narrative:
I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly brought these inaccuracies to your attention and consistently requested thorough investigations. Despite my ongoing efforts, no resolution or corrective action has been taken. These errors are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these inaccuracies has created considerable hardship for me, leaving me with no choice but to urgently seek your help in resolving this issue. 

I respectfully request a comprehensive investigation into each of these disputed accounts. It is vital that the necessary steps are taken to update and correct my credit report without further delay. With your assistance, I hope to restore the accuracy and integrity of my credit file and regain control of my financial well-being. I strongly urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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: 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This account was charged off in XX/XX/year>. However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.

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: 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: MS

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This account was charged off in XX/XX/year>. However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account 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 explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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