vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts reported on my credit file. As a victim of identity theft following the Equifax data breach, my personal information was exposed and has since been used fraudulently. Despite providing XXXX with dispute requests, they continue to report inaccurate and unverifiable accounts, in direct violation of my consumer rights under the FCRA. 

Disputed Accounts 1. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$140.00} - This account is fraudulent. I have no association with XXXX at XXXX or XXXX XXXX XXXX. 

2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$2000.00} - This account does not belong to me and is entirely fraudulent. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$670.00} - This debt is fraudulent, and I have no knowledge of any account with XXXX XXXX XXXX XXXX 

4. XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance : {$720.00} - This account is fraudulent and was opened without my knowledge or consent. 

Violation of Section 605B of the FCRA Under Section 605B of the FCRA : - Credit reporting agencies are required to block fraudulent accounts within **four business days** of receiving a dispute supported by evidence of identity theft. 
- Agencies must verify the accuracy of disputed accounts and remove unverifiable information. 

XXXX has failed to : 1. Remove fraudulent accounts despite my disputes.

2. Provide any verifiable documentation or contracts with my wet ink signature to substantiate these debts.

These failures have caused significant harm to my financial reputation and creditworthiness. 

Requested Actions I request the CFPB to investigate XXXX for their violations of Section 605B of the FCRA and to enforce the following corrective actions : 1. Require XXXX to remove all fraudulent and unverifiable accounts from my credit file immediately. 
2. Mandate that XXXX provide documentation, including original contracts with my wet ink signature, to substantiate any claims of legitimate debts. 
3. Ensure XXXX implements proper measures to protect consumers from further harm caused by their negligence in addressing identity theft. 

Impact on Me XXXX negligence has caused unnecessary financial and emotional distress. Their failure to comply with the FCRA has lowered my credit score and impacted my ability to access fair financial opportunities. 

I trust the CFPB will take swift action to address these violations and protect my rights as a consumer. Please contact me directly at ( XXXX ) XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian, XXXX and XXXX XXXX is reporting a debt from XXXX XXXX, XXXX. I have already provided proof that the debt is more than XXXX XXXX XXXX, in XXXX of XXXX. Now in XXXX the old information reappears on my credit report causing severe harm.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Lexington law states they would remove items from my credit report and they didn't. Occurred XX/XX/XXXX. They continued to charge me XXXX until XX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I was locked out of my Coinbase account. There is no US telephone number or anyway to speak to a human being. All interaction has done virtually and there is very little effort to help recover my access. I have been DMing with multiple people from Coinbase on XXXX and also over email.At first they seem to want to help, but ultimately all you get are pre-written cut/paste answers that do not solve the problem. I have told multiple people at Coinbase that I plan to contact the CFBP and Lodge a formal complaint and they still could not help me access my account. All it would take is one phone call and this could be solved, but they refuse to have any phone conversations with any customers. I have validated my identity with my Georgia drivers license ten times as well as at least 10 videos of my face proving my identity. They authorize my account but then send me back through the same circular process that is worthless. I have over {$100000.00} in my Coinbase wallet and no way to access the money. Very frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 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: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
XXXX XXXX  inquiry made not by me in XXXX no contact info listed XXXX inquiry made not by me on XXXXXXXX XXXX XXXX inquiry made not by me XXXX XXXX XXXX  inquiries not by me on XXXX XXXX inquiries not made by me on XXXX Fairway Ade inquiry made not by me on 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 2025-01-09 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX  inquiry made not by me in XXXX no contact info listed Regionalac inquiry made not by me on XXXXXXXX XXXX XXXX inquiry made not by me XXXX XXXX XXXX  inquiries not by me on XXXX XXXX inquiries not made by me on XXXX XXXX XXXX inquiry made not by me on 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 2025-01-09 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:
I received a copy of my credit report, and I noticed I have 3 late payments on my report.

Under the FCRA, the CRAs are legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit reports.

15 U.S.C 1681 ( E ) ( 5 ) Accuracy of Report, states that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the Individual about whom the report relates.

That being said, 15 U.S.C 1681 ( a ) ( 2 ) ( A ) under the Exclusions clause states that, the term " consumer report '' does not include... ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Congress concluded that transactions and experiences are not part of a consumer report. Late payments, charge-offs, and collections are transactions because they involve deferred payments, and utilization referring to a credit account is an experience created by credit usage. This is not a request for verification. It is precisely clear by the language enacted, that congress did not intend for a consumers payment history and account balance information to be included within a consumers 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 2025-01-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I do a yearly credit report from the three main reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and come to find out, they have allowed third party companies to report on my name with me having know knowledge of any agreement with them, also their have been a data breach that may have compromise my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XX/XX/XXXX {$0.00} US Department of EDU XX/XX/XXXX {$4200.00} US Department of EDU XX/XX/XXXX {$1800.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint to dispute a late payment reported by XXXX XXXX  on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Account Investigation and Removal To Whom It May Concern, I am writing to formally dispute several accounts listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please note that I have provided my identification, including a copy of my government-issued ID, Social Security card , and proof of residency, to facilitate your verification process. 

The following accounts are inaccurate, unverifiable, or incomplete and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the FCRA, I request that you investigate these accounts and provide proof of their accuracy, validity, and compliance with all consumer reporting requirements. If you are unable to verify the information in full compliance with federal law, these accounts must be deleted from my credit report immediately. 

Additionally, under Section 609 of the FCRA, I request the full method of verification used to confirm the validity of these accounts. This includes a copy of any documentation you used during the verification process. 

Failure to respond to this dispute or to comply with the FCRA and FDCPA within 30 days of receipt of this letter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please provide me with a copy of my updated credit report after completing your investigation. I expect this matter to be resolved promptly. 

Thank you for your attention to this matter. I look forward to your response. Request these be removed from XXXX, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I applied to a Capital One Venture XXXX  credit card from Capital One approval tool in their web page. I was instantly approved for the card, received a virtual card which I used to make two purchases at XXXX, then went to sleep. Next morning, I realized that the card was Restricted after logging in the mobile app. I called Capital One and they mentioned that they needed some documents from me, specifically ID and Bank statement. I submitted this documents the same day via a secure link to my email and waited for a couple of days for Capital One to process them. I received the physical cards from Capital One on XX/XX/XXXX, but since they are restricted, I haven't been able to use them or any of the perks included in the hefty annual fee ( {$390.00} ). 

Capital One called me back on XX/XX/XXXX and said that my ID was not accepted and that I should submit it again. I did that the same day and waited for the next call back. 

They called me back on XX/XX/XXXX, this time they said ID was ok, but that they did not accept statements from XXXX. XXXX XXXX XXXX XXXX XXXX is not a XXXX, but a fully accredited XXXX registered credit union, so this should be a valid bank statement under their specifications. Rep mentioned that I could submit an utility bill, and so I did, for XXXX XXXXXXXX XXXX XXXX proof of rent and paystub. Also, I proceed with paying the outstanding balance on the card ( annual fee + Costco purchases ), in fear that this could drag my credit history down as I suspect Capital One wants to close this card. 

I received my latest call from Capital One today, XX/XX/XXXX, and they have mentioned that they won't take either this utility bill or the previous credit union statement submitted. At this point I don't have any more documents to submit and I am done with this. I mentioned to the rep if he would cancel my card and refund my annual fee, and he said since the card has been paid, they can't refund this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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.

Complaint narrative:
report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
-The company Im complaining about is Affim.com. 
-Affirm provides loans to people who want to make purchases and pay in installments. 
-I am not, nor have ever been, a customer of Affirm. 
-So far today I have received 8 text messages from Affim.com, text number XXXX, with confirmation codes ( all different ), as tho someone is trying to open a line of credit in my name. 
-I replied Stop as directed by XXXX, but texts keep coming. 
-I XXXX Affirm and contacted them by phone only to speak to someone in the XXXX . To assist me she requested my phone number, email, and DOB. I did NOT provide info. 
-Affirm rep said they are aware of scam and are working on it. 
-XXXX  them has shown that this issue has been reported numerous times for at least a year, yet it is still happening! 
-This company appears to have ZERO control over their security or texting. After confirming they would send no more texts ( after STOP request ), I received 4 more in just minutes. 
-I believe this company will provide a loan in my name to some scammer and I have no way to stop it. 
-Please help stop this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be one address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

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