vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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:
I have recently reviewed my credit report and found fraudulent accounts that I did not open and do not recognize. These fraudulent accounts have been listed on my credit report. I request the removal of these accounts from my credit report as they are negatively impacting 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 explanation
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
A scammer was able to access my Coinbase account by SIM swapping my XXXX XXXX  on XX/XX/year>. They illegally wired {$8500.00} from my XXXX XXXX account on XX/XX/year> to my Coinbase account. Then transferred {$8400.00} to a XXXX XXXX XXXX   that was added to my account on XX/XX/year>. This was reported to XXXX XXXX 's and Coinbase 's fraud teams within minutes of it occurring and neither company froze the accounts or took action in a timely fashion. A police report was filed and I notified my fraud insurance, XXXX, who needs to verify that the money taken from Coinbase did not go to me ( it went to the fraudster 's XXXX XXXX  residing on my account ) based on the transfer log. My insurance company is requesting proof that funds did not go to me from my Coinbase account so I will need the full XXXX XXXX account number residing on my account for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: NY

Complaint narrative:
Sent to CFPB [ XXXX XXXX XXXX ] [ XXXX, Ny, XXXX ] XXXX [ XXXX ] ** [ XX/XX/year> ] ** XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ** Dispute of Inaccurate Information and unauthorized credit reporting XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information reported on my credit file under the above-referenced accounts : XXXX Account # XXXX and XXXX Account # XXXX. My refusal to pay based upon not initiating such accounts. I have refused to pay the amounts claimed. Therefore, I am requesting an immediate investigation into the accuracy of this information. XXXX must provide authorize signature representing consent for such actions under Under the Fair Credit Reporting Act.

I demand that you initiate a prompt investigation into this matter, as required by law. I am also requesting date with signature confirming my authorization. I am entitled to a correction or removal of any inaccurate, incomplete, or unverifiable information from my credit report. In accordance with the FCRA and [ State-Specific Consumer Law ], you have 15 days from the receipt of this letter to complete your investigation and notify me of the results.

Please provide proof of my signature authorizing the opening of these accounts. If no such proof exists, I expect these accounts to be removed from my credit file and all related negative information corrected.

Please send confirmation of your actions to the address listed above and respond appropriately to CFPB case report. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-08-29 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: IL

Complaint narrative:
I called XXXX back in XXXX because I had made a payment in the fall when the student loan pause was up which I apparently did not have to make as the pause was extended due to issues on XXXX 's end. I asked that the payment be initially applied to my next payment ( XXXX ) which they agreed to. That did not happen. This caused significant financial hardship for me. I spent many, many, many hours on the phone to be told that I need to wait 90 business days to receive a refund as I no longer wanted the payment applied to future payments. In those 90 days I was transitioned to Ed Financial. I called XXXX in XXXX ( XXXX business days later ) who told me that while the ticket was entered XXXX business days ago, it was still in the research phase and had had no movement forward and now they could do nothing because I was under edfinancial. I called edfinancial and was told I would have an answer in XXXX to 10 business days. That was a month ago and I have received no communication. I called today and was told that while that ticket had been put in, no movement had occurred again. They were able to give me no information about when I would receive my money, no further actions to take, no idea of what was happening. This has been over 8 months since I started calling. I am still out nearly XXXX dollars which I desperately need. Between these two agencies I have spent hours and hours on the phone, talked to at least 20 different people and have gotten nowhere. I need my money back and these people are unhelpful and holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Concora credit has been taking payments from me 3 weeks after I make the payments. They also scam by hiding previously set payments making you think you never scheduled one in the first place. Forcing me to schedule another payment only to then take both payments at once. This is illegal and intentionally deceptive. If I have a previously scheduled payment there should be a tab that shows my payments and when they will be deducted. All of a sudden with the new ownership of these credit cards by " concora credit services '' they now hide your previously scheduled payments making you think you never made one so they can take even more money from you. Milestone and Indigo credit cards are the culprits.

Example XX/XX/XXXX Indigo credit card showed no scheduled payments, so I made another so not to obviously miss a payment just for them to take both payments out of nowhere and suddenly my previously scheudled payment shows up. 

When I call them to dispute they have a bunch of XXXX XXXX who could care less about my financial situation and all they can do is put me on hold laugh amongst each other in the back ground, transfer ne around from department to department and waste my time just to say they can not help because the payment has already went through! This is so infuriating and these companies outsource their workers to avoid accountability. 

Malpractice, scam, horrible customer service, condescending work force, XXXX  work force who do not care about Americans so they see no incentives to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year>, I made XXXX XXXX payments to Citibank Home Depot to pay off my balance. No other charges were made, however, in a couple of months, I received a bill from Citibank in the amount {$100.00}. Citibank said XXXX of the payments did not go through in XXXX, even though I had confirmation from Citibank XXXX XXXX and my bank to prove the transactions occurred. After several telephone calls and no resolution, I forwarded my bank statement highlighting the payments made to Citibank Home Depot. I even sent the copies twice to XXXX different locations... still no resolution. It is now XX/XX/year> and Citibank Home Depot has sent bogus statements showing incorrect charges applied to my account. I disputed the charges again and Citibank closed out the account and issued a new credit card. I never received the new credit card but they issued a new account number. I advised Citibank that I never received the new card but they didn't care... they only wanted me to pay the {$100.00} they lost or applied to another consumer 's account. In XXXX, frustrated, upset and feeling as though Citibank was practicing deceptive credit card practices, I went to my bank and told them what was happening. XXXXXXXX XXXX  confirmed the amounts were not reversed and in a couple of days, they reversed the original {$100.00} payments that were paid in XXXX back to my checking account. When I realized they had reversed both {$100.00} payments, I immediately send it to Citibank Home Depot. Surely, this would prove both payments were made, however, Citibank did NOT correct my account instead they sent me another statement showing a new balance and no indication of the reversal transactions or the resubmission of payments. I am so frustrated with this big company 's unscrupulous credit card practices. Even though I have contacted the company on numerous occasions, spoken to supervisors, requested an escalation process but no avail, they won't even call me back. I am tried, I am old and I need someone to assist me. I feel like I am a victim of predatory lending and Citibank Home Depot don't care about getting the issue resolved in my favor, they just want me to double pay twice for the same account. I fear they are going to ruin my credit and my livelihood. One of the Citibank reps said, we know everything about you so it's no need to block out information on your bank statement. There are hundreds of complaints about the credit practices of Citibank Home Depot, CFPB please H E L P!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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 received my credit report and noticed that a fraudulent account is appearing, This account is not mine. 

I command you to delete the accounts listed below : Account Name : XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: SC

Complaint narrative:
CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which in turn is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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. 1681s-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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NJ

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: CO

Complaint narrative:
I was recently notified that my credit score had dropped by XXXX points. Upon investigation, I learned that Experian is reporting student loans of $ XXXX for " XXXX '' and another $ XXXX XXXX XXXX XXXX XXXX XXXX. '' These are plainly and clearly duplicate accounts that resulted from XXXX 's recent restructuring. They say it will eventually disappear, but there are news articles to suggest otherwise. Experian is very quick to dismiss my disputes, saying the information is valid. Common sense and a tiny bit of care would lead anyone to realize if I had a $ XXXX loan for years and suddenly I had a nearly identical and additional amount owed ( the difference amounts to a monthly payment being reflected on the most recent, not on the older account that should no longer exist following the internal transfer ), then this can not be valid. Student loans are not taken out in XXXX XXXX XXXX XXXX XXXX  increments! But probably Experian doesn't have any XXXX-XXXX  people on staff, so this may be lost on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
This morning, I was shocked to find that inaccurate accounts had somehow made their way onto my credit report, and I have no idea how they got there. I checked my report, as I always do, but this time there were discrepancies that just didnt make sense. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Due to this situation, Im asking for a thorough review of the documents Ive submitted so I can have peace of mind and never worry about this happening again.

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