vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681c ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of info. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 section A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 S-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 accurate. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: AL

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681c ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of info. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 section A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 S-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 accurate. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-14 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: TX

Complaint narrative:
XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I received a letter from MRS BPO a debt collection agency stating that I owed a debt of XXXX to discount power. I do not recognize that power utility company. I attempted to call MRS BPO however my calls repeatedly went unanswered. I wanted to find out if somebody used my identity to open a utility account. I verified with my bank that recent payments have been successfully processed with my existing utility company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I hope this message finds you well. I am writing urgently to address significant discrepancies recently discovered in my credit report that are in violation of the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after XXXX or XXXX years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I anticipate prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: E Mortgage Capital, Inc.
State: CA

Complaint narrative:
I applied for a mortgage on a rental property that I own outright after being contacted by one of E Mortgage Capital 's loan officers, XXXX XXXX on XX/XX/. We went back and forth on terms for a couple of days and after arriving at numbers I was comfortable with, we proceeded with the process. I submitted all my documentation to support the loan and completed everything by XX/XX/. XXXX XXXX sent me the final forms with the new disclosure on XXXX XXXX XXXX and there were new charges added ( most egregiously was a new {$990.00} " Underwriting '' fee ) that increased the closing costs around {$1300.00}. I reached out to XXXX about the increase on the XXXX and received no response. I followed up a week later with : " XXXX : Hey XXXX. I don't know if you got my last but wanted to check in and see where we're at. 

XXXX : I apologize. I thought you were not moving forward due to the closing costs. Are you still interested in moving forward? 

XXXX : I assumed the additional underwriting charge was in error and we could correct that. The original disclosure did not contain that charge. '' Nothing more from XXXX XXXX after that. 

It's pretty clear to me that this company or XXXX XXXX was trying to pull a bait and switch and commit UDAAP violations by getting me to go through the process under one set of terms and then jacking up the price with additional fees after I had done all of the work to support the loan and was at the end of the process.

I have never made a complaint before but I felt this warranted one so that future customers are not subjected to the same tactics, or worse, miss that the company is increasing their fees when they get to the final stage and pay more than they agreed to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We deposit our money with Wells Fargo. 

However, their poor fund management led to the theft of {$40000.00} from my fund. 

And someone else stole my PHOTO ID to take the money, And the bank does not cooperate with the claim and recover the funds. 

We have reported it to the police and they have been involved in the investigation of this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: MI

Complaint narrative:
I sent letter to this company about validation that i owe them In the letter that was sent to me it stated that they got the validation from a company called XXXX XXXX XXXX. The validation letter states XXXX XXXX. 

They also stated that XXXX XXXX was the original creditor. But P $ B IS WHO is on my report When

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase KYC department freeze my account for 3 months, they continue to ask me same question and hold my money for there purpose obviously, several times I asked about to close my account and realized my money to MY VERIFIED BANK ACCOUNT, but they CONTINUE to hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
Dear CFPB My name is XXXX XXXX. I have been a victim of identity theft. Someone has been using my personal identifying information to submit nepharious applications for credit since XXXX of 2023. On XXXX someone applied for a XXXX XXXX with with personal information. On XXXX we spoke with XXXX from XXXX 's fraud team, who cancled the application and submitted a request to remove the inquiry from my reports. The comenity has been deleted from XXXX and XXXX but it is still showing on equifax. I've contacted equifax multiple times requesting they remove the inquiry. On XXXX I spoke with XXXX from equifax who ensured me the inquiry was removed and even sent me a credit report. The credit report he sent still had the inquiry. On XXXX I called XXXX and got XXXX to submit another request to remove the inquiry. On XXXX I spoke with XXXX from equifax who submitted a request to remove the inquiry after confirming she recieved the deletion request from equifax. She even gave me a confirmation number XXXX and promised it would be gone in 10 days. 18 days later it was still showing. I called equifax back on XXXX and spoke with a supervisor by the name of XXXX. He again confirmed they recieved the deletion request and promised he would hae the inquiry removed. He gave us a new confirmation number XXXX. I waited another month and it was still on my report. On XXXX I called equifax back and spoke to a supervisor by the name of XXXX who again promised to remove the inquiry and gave a new reference number XXXX. He said it would removed in 5 days. 30 days later I checked and its still on my report. I have exhausted every option. Please help me with holding equifax accountable and deleting this incorrect information from my report. 

Best regards, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: CA

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving m y credit report, I sent in documents challenging the accuracy of my credit file on XX/XX/XXXX. ( Certified Tracking USPS # XXXX ) TRANSUNION, XXXX, And XXXX reported all info on my credit file as verified, including accounts in collection. On XX/XX/XXXX I sent in for a review of your decision by requesting a reinvestigation. Certified Track USPS # XXXX. I am still waiting on help with these inaccuracies reporting I have not heard back from any CREDIT REPORTING AGENCIES or DEBT collection company. 


Pursuant to USC 15 1681A ( e ), This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXX 357 F.3d 426, 431 ( 4th Cir. 2004 ). 

Please update all Late paymenst attached to any accounts that are reporting late on my credit file, pursuant to 15 U.S. Code 1666 - Correction of billing errors. 

The Deceptive information that you are furnishing is causing me much hardship. It is damaging to my reputation and general mode of living I m not get approved for anything I am damaged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: The Aligned Company DBA Extra
State: TX

Complaint narrative:
in response to complaint XXXX, Extra failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. XXXX is not an affiliate of Extra card and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc.
State: NC

Complaint narrative:
Sendwave attempted to draft {$930.00} from by business checking account without authorization. I had never heard of this company before receiving a fraud alert from XXXX XXXX Bank. I certainly did not intend to send {$930.00} to some random account operated by a company that primarily serves developing countries with foreign currency remittals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
My computer was hacked on XX/XX/23. I logged into my computer and noticed screen sharing software called XXXX and XXXX were virally attached to my computer, giving access to my computer screen. Although I had password protection and dual factor authentication on my financial accounts, hackers were able to get access to my Western Union account and make 3 payments of {$6300.00} total before being caught. 

These programs allowed hackers to utilize my IP address. Once I found these issues, I hired an IT company and we immediately removed ALL programs and files from my computer ( not just the viral ones ), scrubbing it completely, and then reinstalled only the essential the programs I utilize that are safe and secure. I also changed the passwords to various accounts or shut them down. 

My bank, XXXX XXXX, has refunded me the money, but Western Union is saying since the transactions came from my IP address, it came from me, and the money is due. They are threatening collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: CA

Complaint narrative:
I made an XXXX purchase months ago ( XX/XX/XXXX ) and chose Klarna for repayment with payment to be automatically deducted. The autopayment worked well for a few months until my debit card number was stolen and I tried to update the number with Klarna 's system. I made numerous attempts to update the info or pay it in full but was unable to do so because they were having a system-wide issue with certain email addresses, mine included. When I called they stated that they were aware of the problem and would contact me once the issue was sorted and I could then either update the debit card on file or make a payment in full. I never received any correspondence from them but made many attempts and spent hours to check in and handle the issue. Each time I was told the same thing, that they would contact me once I would be able to login again. I was repeatedly assured that I would not incur a late fee or sent to collections. More time went by and then I started receiving emails and calls from XXXX XXXX a collection agency that Klarna sent me to. I addressed this again with Klarna and they stated that a supervisor would reach out to me. None of this ever happened. I was finally able to update my email and log in on XX/XX/XXXX but they would not accept my direct payment. It's insane that they can function this way with little to no customer service options and then able to damage my credit by their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, Home Depot ( CBNA/THD ( Home Shopping ) made a hard inquiry on my credit without my permission. I complained to customer service. They told me that they would forward the matter to a supervisor to look it to what can done. Today I received a letter stating that no late payments had been reported to the credit bureau. ( Letter attached ) Well, I already knew that, and, that was not the issue. I want the inquiry removed since I did not authorize 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