vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: VT

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX/MILESTONE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX. XXXXMILESTONE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law. 
I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.

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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2024 I reached out to XXXX XXXX XXXX in regards to this alleged it? I requested an investigation for this collection, and I am still waiting for results. I am not familiar and I do not owe this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I opened an account with Marcus high yield savings account on XX/XX/XXXX and had no issues transferring money into the account from several different account which were linked to Marcus via their website. When trying to transfer funds from the Marcus account into those same external account linked via the Marcus website, all debits were denied. When I spoke with the customer service reps on two separate occasions for over an hour each call I received several different reasons including fraud, " technical difficulties '' claiming one of the external account XXXX had placed a hold ( I also called XXXX who confirmed this was not the case and that Marcus had denied the transfer ). My current balance in the Marcus account shows an available amount of {$25000.00}, but when I go to their transfer button on their website it shows {$0.00} available to transfer, no rep from Marcus was able to offer an explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: PA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
Requested over a month ago via cerfied mail to XXXX XXXX XXXX to provide proof of this account since it is not mine.

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 2024-02-13 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: AZ

Complaint narrative:
Requested over a month ago via cerfied mail to XXXX XXXX XXXX to provide proof of this account since it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I received a declined credit notice from headway capital when I never submitted an application or had any contact with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NY

Complaint narrative:
There is information on my credit report that is a result of identity theft. The identified transactions are not information related to any transactions by me as the consumer. 
SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NY

Complaint narrative:
There is information on my credit report that is a result of identity theft. The identified transactions are not information related to any transactions by me as the consumer. 
SEE ATTACHED

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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS, also known as Select Portfolio Servicing, holds my current mortgage, after acquiring it from XXXX XXXX in XX/XX/2023. Since that time, SPS has been frequently calling me from unlisted phone numbers requiring my personal information in order to discuss issues related to my mortgage. All my requests to call from certain listed numbers identifiable as belonging to SPS have been ignored. My multiple emails sent to SPS, including SPS ' Ombudsman office, resulted in a phone call I received from that office on XX/XX/XXXX. During the call I was informed that my request can't be met, than the current SPS phone system is set in such a way that they will continue to use multiple unlisted numbers. As a result, this issue was not be resolved, and no attempts will be made to resolve it, I was told. I was advised that I can file complaint with the CFPB or any other agency, and that is the end of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
According to ( CITIZENS BANK ) response on XX/XX/2024 there is no 1099-C for the XXXX XXXX ending in XXXX. If there is no 1099-C than how is this account reporting as a charged-off account? 

According to XXXX a charge-off means the lender has " written the account off as a loss, and the account is closed for future charges ''. 

In Citizens response they stated the account is still open. Why is this account reported as closed on credit report? 

According to the IRS for the account to be " charged-off '' a XXXX should be issued. Did Citizens truly charged the account off? Did Citizens bank receive tax benefit for this " charged off account '' CC : XXXX IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together.My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner.The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this XXXX on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this XXXX  should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
About a month ago, I purchased {$250.00} worth of XXXX, aka XXXX, crypotcurrency via Coinbase. As my skepticism of Cryptocurrency began to grow, I decided to sell all of XXXX for little to no gain. Upon doing so, I learned that I was not able to do to restriction on this crypto in my region. I did not know this when I bought it and it now seems that it was illegally sold to me via Coinbase. I purchased this Crypto in New York and tried sell it in New York. Im not sure why they were even able to sell it to me in the first place if that was not allowed. 

Coinbase is now not allowing me to transact this crypto in any way. I reached out to Coinbase support and they have informed me that they are able to take my account offline so that I can transfer the currency to a different wallet. Im not sure what this all means, but I do not feel comfortable taking their advice. I hope that you can help me recover my funds and/or put a stop to what seems like a very shady business practices. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have settled the debt with XXXX XXXX XXXX and they have agreed to request that the trade line be removed off of my reports with in 60-90 days and I am asking that the trade line be removed immediately off of my report. The person that I was working with was XXXX and please see the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
my student loans on my XXXX  and equifax show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX  updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: AZ

Complaint narrative:
I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies Equifax, XXXX, and XXXX. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
The conversation below occurred with EdFinancial.

1. Attached below will show that I paid off my loans in full multiple times, only to have each payment cancelled by EdFinancial without reason, just stating that there is some sort of issue. I contacted my bank and they said there was no reason as to why the payment should not have gone through. 
2. After 3 attempts to pay off my balance in full via their website, I called and made the payment over the phone with a customer service person who assured me that I paid the balance in full. A few weeks later, I check my account and see that there is roughly {$150.00} left over in the account that they did not tell me was unpaid, after I paid the full balance. I called customer support and showed them that I paid my entire balance in full, showing them that my balance was {$9900.00} and that was the amount I paid. The customer support person apologized to me, and said that the remaining ~ {$150.00} would be wiped from my account. Weeks go by and it does not get cleared. I call again and the lady on the phone gave me terrible service and fought with me until I did the math for her and showed that I paid off the entire balance of {$9900.00} on XX/XX/XXXX. After she gave me attitude for 30 min and spoke to her manager, she apologized and said I was right and that the balance would be cleared. It has now been multiple weeks and the balance remains, with no word from EdFinancial. During this time, it has been accruing interest. It is now XX/XX/XXXX, the balance is still there and it needs to be cleared. 
3. This feels incredibly predatory by EdFinancial, beginning with them not accepting my payment for no reason, and then leaving money in my account to accrue interest for the rest of my life if I were not to check my account and make sure that all the loans were at {$0.00}. I am in need of help from the CFPB against this predatory company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2021 {$16000.00} account was close never got my money called XXXX times they coundnt figure out what happent the money

Company response to consumer: Closed with explanation