vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
Subject : Dispute of Late Payments Under the CARES Act, FCRA, and TILA Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, I have noticed six late payment entries on my credit report from ( XXXX ), which occurred during the COVID-19 pandemic. These late payments are inaccurately reported and do not comply with provisions under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act Violation : During the COVID-19 pandemic, Congress passed the CARES Act, which allowed consumers to make payment arrangements with creditors without incurring penalties on their credit reports. I had an arrangement in place with XXXX during the period in question. Under Section 4021 of the CARES Act, creditors were required to report accounts as current if a payment accommodation was made during the COVID-19 pandemic. Despite my payment arrangement, these six payments are marked as late on my credit report, which constitutes inaccurate reporting. 

FCRA Violation : As per the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. The inaccurate late payment reporting on my account directly violates this act. Since I was in an arrangement with my creditor during the pandemic, the late payments should not have been reported. 

TILA Violation : The Truth in Lending Act ( TILA ) also mandates that creditors and reporting agencies provide accurate and fair information related to credit transactions. Reporting these payments as late, when they were subject to a payment arrangement, constitutes inaccurate and misleading information under TILA.

Request for Action : I kindly request that you : 1. Investigate this matter and verify the accuracy of the reported information with my creditor.

2. Remove the six late payments from my credit report with immediate effect.

3. Provide me with a corrected copy of my credit report once the changes have been made. 

Thank you for your cooperation

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 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. 
The collection agencies are listed below : XXXX XXXX  Services {$XXXX} Opened XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$XXXX} XXXX Opened XXXX XXXX XXXX XXXX XXXX {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: AL

Complaint narrative:
To whom it may concern, I am writing to report a serious issue with my credit report. An account that was previously opened using identity theft and subsequently deleted has reappeared on my credit report as of today, XX/XX/year>. 

This fraudulent account was not opened by me and is the result of identity theft. I had previously reported this to the credit bureaus and the account was removed. However, it has now been incorrectly added back to my credit report. 

The reappearance of this fraudulent account is causing significant damage to my credit score and financial standing. It is negatively impacting my ability to obtain credit, secure favorable interest rates, and may affect my employment prospects. 
I have already reported this identity theft to the police and have attached a copy of the police report to this complaint for your reference. 

I request immediate action to remove this fraudulent account from my credit report and to investigate why it was re-added after being deleted. Additionally, I seek assurance that this will not happen again in the future. 

Thank you for your prompt attention to 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 2024-10-14 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: AL

Complaint narrative:
To whom it may concern, I am writing to report a serious issue with my credit report. An account that was previously opened using identity theft and subsequently deleted has reappeared on my credit report as of today, XX/XX/year>. 

This fraudulent account was not opened by me and is the result of identity theft. I had previously reported this to the credit bureaus and the account was removed. However, it has now been incorrectly added back to my credit report. 

The reappearance of this fraudulent account is causing significant damage to my credit score and financial standing. It is negatively impacting my ability to obtain credit, secure favorable interest rates, and may affect my employment prospects.

I have already reported this identity theft to the police and have attached a copy of the police report to this complaint for your reference. 

I request immediate action to remove this fraudulent account from my credit report and to investigate why it was re-added after being deleted. Additionally, I seek assurance that this will not happen again in the future. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and several other days this year that I went down to Chase Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX to have them XXXX XXXX XXXX for XXXX aunts account that is missing over {$XXXX} plus while she was in a XXXX  and admitted into XXXX XXXX XXXX. I informed the XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX of this as well as her bag being stolen containing her identification, cred cards and band cards from her bed side while in the hospital the same week she was admitted in XX/XX/XXXX. XXXX XXXX finally submitted the claim on XX/XX/XXXX. Then a month later after making several calls to the bank they denied the claim and stated that all transitions were made using my aunts pin number. My issue is that my aunt was in a XXXX  and could not consent for anyone to use her card or take any money out of her account, she was in a comma for over a month and then once she woke up could not talk nor see and couldn't utilize her arms and hands like a normal person would and now she is dead as of XX/XX/XXXX. I need help getting the bank to return all stolen and missing funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-14 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: IL

Complaint narrative:
I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

Unlawfully reporting accounts in question : XXXX XXXX XXXX : XXXX : {$610.00} XXXX & XXXX XXXX XXXX : {$360.00}

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 2024-10-14 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: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-14 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-10-14 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: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Around XX/XX/2023, I fell victim to an elaborate scam that resulted in both emotional and financial loss. The scammer, who identified themselves as XXXX, manipulated me into sending my hard-earned savings under false pretenses. Our communication initially began with good intentions through XXXX, but it later became clear that XXXX was scamming me. Despite feeling pressured to comply with her instructions, I ultimately lost a total of XXXX USD through wire transfers to XXXX XXXX XXXX Bank.

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 2024-10-14 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-14 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: CO

Complaint narrative:
This letter serves as a final demand for the immediate resolution of my dispute, previously submitted on XX/XX/year>. Despite compliance with the Fair Credit Reporting Act ( FCRA ) and my clear communication regarding the inaccurate and unverified information on my credit report, the disputed items remain unresolved. This ongoing negligence is a clear violation of federal regulations and has caused harm to my credit profile.

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 2024-10-14 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. 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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
On XXXX XXXX my card was used in the amount of {$2900.00}. I disputed this transaction and provided proof that error occurred. I provided police report as well. After two alleged investigations, Current Bank deemed no error occurred. I then asked if they contacted the police department and they ignored this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
XX/XX/XXXX XXXX, I transferred money from my coinbase account to my checking account ( XXXX XXXX  ) which I have done in the past without issue. These two transactions were made on XX/XX/XXXX. The first amount is {$61000.00}. The second amount is {$270.00}. Both deposits have not been posted to my account, I have not received either. I have called coinbase support and have not gotten anywhere. They told me this is an issue that is happening to multiple coinbase customers but will not give me a time frame or any information as to when this will be fixed or where my money is. This is why I am filing a complaint against coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-14 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: MA

Complaint narrative:
the file was under investigation about a year ago and I disputed it again becuase the file failed to check an address assoviated that is not mine they even told me when I called that no we have no information how ever they keep reporting so I thionk are they playing or they do not understand me as they hardly spoke XXXX XXXX this is the account i dispute as I do not recognize or have accepted that i this is my debt as I do not understand why tthe credit agencies is reporting it when I know the other credit agencies are not

Company response to consumer: Closed with non-monetary relief