vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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:
I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX ( XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: OH

Complaint narrative:
Hi I notice some unauthorize inquires, collection, close accounts, auto loans, student loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds capital one XXXX {$300.00} XXXX XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX  XXXX {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} Student Loan thats not minds neither DEPT OF EDXXXX XXXX $ XXXX Personal Loan not minds XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$4500.00} XXXX XXXX its late its not minds and 15 USC 1681 A Late payment Other Account not minds XXXX XXXX XXXX {$240.00} XXXX Collection thats not minds XXXX XXXXXXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXXXXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$1000.00} AND XXXX Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated 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 2024-05-16 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: FL

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Mainland credit Ask intentionally reportedly reportedly falsely information on my credit report, attempting to collect a debt that they can not validate after I yeah, numerous times Ask for a validation letter receive noreceive. None and has reported Duplicate that debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 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 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MILLS LTD. dba Credit Bureau of Klamath County
State: IL

Complaint narrative:
The mon of XXXX and XXXX XXXX XXXX stole my identity and i cant get help with getting her off. She put cards in my name and is using them.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 2024-05-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with an ongoing issue that I am facing with Coinbase. Despite my continuous efforts to regain access to my account, I have been repeatedly locked out, causing significant inconvenience and concern regarding the security and management of my investments. 

Over the past several days, I have been in constant communication with Coinbase 's support team. I have followed all suggested steps including resetting my password and completing multiple identity verifications. Each time, I am instructed to repeat the same procedures without any resolution or clear guidance on how to proceed effectively. Nothing has changed. 

The lack of access to my account not only prevents me from managing my assets but also raises serious questions about the security protocols and customer service efficiency at Coinbase. I believe this situation warrants further scrutiny, especially since it affects my financial stability and trust in digital asset platforms. 

I respectfully request the CFPB 's intervention to facilitate a prompt and fair resolution to this matter. Please advise on the next steps I should take or if there is specific information you require from me to assist further. 

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

Sincerely, XXXX XXXX Coinbase Email : XXXX Saved Case Numbers : # XXXX and # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was told by an agent I could upgrade my card to a XXXX able to be used anywhere. However, when following the steps provided to upgrade, there was no option available. Contacting service again, I was told the only way to receive a XXXX is to apply for a new card. I find that unacceptable, as I know others with the Gap card who have had their account upgraded to a XXXX. I ask that my complaint be forwarded to the person with the authority to convert my store card to a 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 2024-05-16 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:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
XX/XX/XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 

Correct Data : Account PAID As Agreed ( In FULL ) ON Time 100 % -All Bureaus.

Current FICO Equifax Report : Older Derogatory Events : 60 Days ( XX/XX/XXXX ) Older Derogatory Events : 90 Days ( XX/XX/XXXX ) The information, containing derogatory dates, is unique and misaligned in comparison to the same account data across both XXXX and XXXX Credit Bureaus. I did not authorize these inputs or inaccuracies. 

This Data Needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/2024 I submitted the reinstatement amount requested {$6100.00}. The payment was due no later the XXXX noon XX/XX/2024. The payment was wire to the information listed on the reinstatement letter. PHH Mortgage confirmed the payment was received but did not apply it and continued to tell me they didnt know why. After 1 month they said the payment was not applied and on XX/XX/XXXX I was told the payment was returned due to a clerical era on their part. My financial institution never received the funds back and provided an email confirmation from the branch manager stating the funds were never returned. The bank requested confirmation of the wire refund from PHH Mortgage but they never responded. On XX/XX/XXXX they told me the funds were applied but the payment was not enough to bring my account current and they wanted an additional XXXX due to the clerical error they made. I have the original reinstatement letter provided requesting the amount of XXXX which was submitted within the timeframe requested and the XXXX dollars they are now requesting was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I have no contract with National Enterprise Systems, I do not know how they obtained, t my personal information. The law states. Can they please provide me with my any documentation giving them consent to contact me, and provide any contract I have with them with my wet ink signature. This debt is not mine.

18 U.S. Code 1028A - Aggravated identity theft-a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I have not given my authority or consent to possess my personal information. Furthermore this alleged debt collector is in violation of the following FDCPA Laws : 15 United States Code 1692c- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse- ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692f - Unfair practices- ( 7 ) Communicating with a consumer regarding a debt by post card.

15 U.S. Code 1692f - Unfair practices- ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

As a reminder You are in violation of the FDCPA and you are binded by the arbitration agreement of the original XXXX XXXX XXXX. I know you paid pennies on the dollar for this debt and do not want to pay fees to initiate arbitration. I am giving you this one last chance to remove this debt, and do not resell this alleged debt or I will begin the arbitration phase. You have been put on notice.

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 2024-05-16 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: CA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-16 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: FL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a text on XX/XX/2024 XXXX PT from ( XXXX ) XXXX claiming I had opened a WELLS FARGO CREDIT card and charged a purchase on this credit card. I received an ALERT from Wells Fargo Alerts bank that this card was used at XXXX and a charge of {$440.00} was made on the Wells Fargo Credit card. I was instructed to click a link to see more information regarding the credit card and the purchase. 



I do not have a credit card account at Wells Fargo Bank. I did not click the link provided in the text to see the charge made on the credit card. I reported the number to my phone carrier. However the individual ( s ) fraudulently claimed to represent WELLS FARGO Credit monitoring and accused me of having a Wells Fargo Credit card and using it to make a purchase 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 2024-05-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-16 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-16 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:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief