vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit report due to a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately, as they were opened or reported without my authorization : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
There was an incident about a year ago when my Coinbase account was compromised. I called them and had them freeze my account. Nothing was lost. 
earlier this year I had them unfreeze my account so I could login again. Everything was in order with XXXX exception. I could deposit funds, but all withdrawals and transactions were restricted with no explanation. 
Months later and it's still exactly the same. 
I have spent countless hours with their support people on chat to no avail. My account is still restricted and I can not move any funds out of the account. Coinbase gives me no feedback as to when the restriction will be removed. I have provided them my photo, my photo ID, and all the other information they have requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
In XX/XX/XXXX, Along with the response to summons from the court, I attached a letter to Plaintiff requesting to VALIDATE THE ALLEGED DEBT, they Nelson & Kennard failed to respond, they just mailed me a few statements, amount owed, XXXX numbers of an account, but not the agreement signed by the defendant. 
In XX/XX/XXXX, I sent them another letter requesting again, TO VALIDATE THE ALLEGED DEBT, but they failed again, sending me the same documents. 
In summary I received XXXX letters with attached bank statements, different XXXX numbers of accounts, but in none of these documents received from they they sent me documents validating the so called alleged debt. 
Today XXXX XXXX, XXXX, I received new misleading threatening documents, showing court paperwork, but I already checked with the court and these documents didn ; t come from the court, showing a client agreement, but not the XXXX bearing any signature, and they also sent me a JUDGEMENT AFTER TRIAL, where Nelson and Kennard are supposedly granted the judgement to them, but the Court to appear in court is XX/XX/XXXX, this is really causing me stress, pain, and suffering, they are sending me false documents, that look like court papers, but these come from their office, I just want them to stop, this is harrassment and threatening, I still have to appear in court and fight my case, I don ; t feel good now, my health has been badly deteriorated from the moment they started trying to collect a debt that has not been validated. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN ACCORDANGE WITH THE FAIR CREDIT REPORTING ACT.-THE UST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX, Account Name : XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 16815-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. By law the three credit agencies report this account without
my written authorization and are violating my consumer rights and they have to have 100 % correct information in the three credit agencies High balance : It is the same in two credit agencies and in the other has other information that is illegal and violates My rights as a consumer. I demand account deletion Account Name : XXXX XXXX XXXX Account Number 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 2024-11-30 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: TX

Complaint narrative:
IN ACCORDANGE WITH THE FAIR CREDIT REPORTING ACT.-THE UST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX, Account Name : XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 16815-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. By law the three credit agencies report this account without my written authorization and are violating my consumer rights and they have to have 100 % correct information in the three credit agencies High balance : It is
the same in two credit agencies and in the other has other information that is illegal and violates My rights as a consumer. I demand account deletion Account Name : XXXX XXXX XXXX Account Number 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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My chase account had about 31 unauthorized transactions in the total of about XXXX dollars, Someone made the transactions through XXXX XXXX, some one connected an unknown device to my account and made transactions taking money out of my account! 

Chase said they sent me a fraud email and they told me it was authorized! I told them I never received it, I went through my email with chase and we seen that the email was never open or clicked on! 

They told me I need to contact XXXX because someone must have hacked my account! But thats not enough evidence to open my claim! 

I ask chase can the trace where the transactions were made from, like a state, city, ip address or even a device. The didnt answer the question!! 

I reported this and the closed my case in one day and say it was me that mad the transactions! Said there is nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Subject : ** Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX XXXX XXXXXXXX for ongoing and inaccurate reporting of a closed account on my credit report. Despite this account being closed, XXXX XXXX continues to report balance updates, which is both misleading and in violation of the XXXX*Fair Credit Reporting Act ( FCRA ) **. These inaccuracies are negatively affecting my credit standing and causing significant distress. 

**Details of the Issue : ** - The account in question ( Account Number : XXXX ) has been closed ; however, XXXX XXXXXXXX XXXX continues to update the balance as though the account is active. This is inaccurate and constitutes false reporting under the FCRA. 
- This repeated inaccuracy has been reported to credit bureaus ( XXXX, XXXX, and Equifax ) but remains unresolved. 

The FCRA requires that all information reported to credit bureaus be accurate, complete, and up to date. XXXXXXXX XXXX failure to correct this issue is a clear violation of my rights under federal law. As a result, I am requesting immediate action by the CFPB to address this matter. 

**Resolution Requested : ** XXXX. I demand that this account be **immediately removed** from all three credit reports ( XXXX, XXXX, and Equifax ) due to its inaccurate and misleading reporting. 
XXXX. I request that XXXX XXXX XXXX cease all further reporting of this account and any related balance updates. 

Failure to resolve this issue promptly will result in my pursuit of legal action, including seeking damages for each inaccuracy related to this account, as permitted under the FCRA. 

**Supporting Documentation : ** Enclosed are the following documents to support my complaint : - A copy of my recent credit report showing the inaccurate reporting. 
- Documentation confirming the accounts closed status. 

I trust the CFPB will take immediate and appropriate action to ensure compliance with federal regulations and protect my rights as a consumer. Please confirm receipt of this complaint and provide me with a timeline for your investigation and resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX **Enclosures : ** 1. Copy of Credit Report 2. Proof of Account Closure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding Shell MasterCard 's handling of my account in relation to returned payments, identity theft, and the subsequent closure of my account. 

1. Timeline of Events - Returned Payments In XX/XX/year>, two auto payments on my Shell MasterCard were returned because an auto-pay setting did not reflect the current balance ; this was not due to missed payments. I have consistently made my payments on time and in full. 

- Fraud Claim : In XX/XX/year>, I reported digital unauthorized charges on my account - Account Closure : Following the report of these fraudulent charges, my Shell MasterCard account was closed in XX/XX/year>, allegedly due to the previously returned payments. 

2. Issues Faced- I have been informed that I can not reapply for a new Shell MasterCard account, despite my solid payment history prior to these events. 
- Upon contacting the Shell MasterCard executive office, I spoke with the person handling my case, who informed me that my account was being closed and made a statement regarding racial discrimination. When I requested to speak to her supervisor, she claimed she didnt have one. 
- After following up with the executive office, I was informed that she did, in fact, have a supervisor and that my case would be assigned to another representative. 

3. Dispute Over Fraudulent Charges - Despite identifying fraudulent charges on my account, I have encountered ongoing billing issues related to these charges, which has further exacerbated my financial distress. 

Consumer Laws Involved - I am aware of my rights under various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I urge Shell MasterCard to comply with these laws when addressing my case. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate my complaint against Shell MasterCard and scrutinize their practices regarding my situation, particularly in relation to account management and the consequences of identity theft.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-30 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:
Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
My personal information was leaked in the XXXX data breach and the XXXX date breach and as a result of that credit cards and loans were opened up in my name. I am requesting that EXPERIAN remove these accounts under FCRA 605B as these accounts were a result of identity theft. I have attached necessary documentation for proof. Please send me an updated credit report after an investigation has been done. I also want ALL documents and all correspondence of communication BETWEEN the creditor and credit bureau agency.

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 2024-11-30 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute an error on my credit report, which I recently received from your bureau. 
The inaccurate information concerns XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Upon reviewing my credit reports from the other XXXX major bureaus- XXXX  and XXXX| found that this information is not reflected on those reports. The inconsistency between the reports from your bureau and the others leads me to believe that the information being reported on my file with your bureau is incorrect. 
I respectfully request that you conduct a thorough investigation of this matter and correct the error on my credit file. Under the Fair Credit Reporting Act, you are required to investigate and resolve disputes within 30 days of receipt of this letter. Please inform me of the outcome of your investigation and send me a corrected copy of my credit report if changes are made. 
I have provided a proof of the deleted items as well as my identification. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2024-11-30 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: GA

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-11-30 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: NY

Complaint narrative:
I just looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that do not have permissible purpose. I did not authorize these inquiries and would like for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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