vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 2024-03-24 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: WA

Complaint narrative:
I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME.

EQUIFAX : XXXX The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


XXXX : XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX XXXX XXXX. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-03-24 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I have checked my credit report and have noticed inaccurate information on my credit report thats causing damage to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I instructed XXXX XXXX to wire {$74000.00} to my Coinbase account and I received an email from them on XX/XX/2024 at XXXX XXXX  saying " Your withdrawal request has been processed. I immediately began checking my coinbase account and after a day or so I began calling both companies to find out the status of the transaction. I finally got to a supervisor with XXXX XXXX and she provided a " confirmation number '' but not a Federal Number or any other information about the exact time and date of the transaction. With Coinbase, I finally got someone who could see a previous incoming wire transfer but not the missing wire transfer. It's been 3 days since the wire transfer and they still aren't able to locate the missing incoming wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
They over charged me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: WA

Complaint narrative:
I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : 1. The following personal information is incorrect Former : XXXX XXXX XXXX  2. The following personal information is incorrect Former : XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


XXXX : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

TRANSUNION : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed

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 2024-03-24 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: WA

Complaint narrative:
I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : 1. The following personal information is incorrect Former : XXXX  XXXX XXXXXXXX 2. The following personal information is incorrect Former : XXXX XXXX  XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


EXPERIAN : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed

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 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings
State: AR

Complaint narrative:
From XXXX of XXXX to XX/XX/XXXX, I rented one unit of a duplex from XXXX XXXX XXXX. The company only had one maintenance man for many many units, so as we lived in this place of residence, wear and tear ( average, nothing out of the ordinary ) occurred and hardly was ever repaired. I told the manager about every single issue with the residence, as she was requiring me to sign a new lease and pay a higher monthly amount which I did not agree with unless these issues were taken care of. She gave me a notice to vacate, and agreed through an email that she would not sue me if we were out of the residence by XX/XX/XXXX. We were out and left the keys there for her, then notified her we had vacated and cleaned up. About 6-8 months later I see approximately {$2600.00} added to my collections balance on my credit report. She had apparently sued me, failed to notify me of any lawsuit ( which she ASSURED me wasn't going to be filed ), and claims that I owe her for XXXX  in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
What the government has been doing is lying to the people. IF THE PEOPLE LIE WE GO TO JAlL- the government lies, cheats and steals and gets away with it. I submitted a report on my repossession a few months ago. You lie again knowing XXXX WELL THAT THE LAW WAS BROKEN- I'm reporting here and 2 other places. Attorney General and Federal trade commission. The bank DID IN FACT BREAK THE LAW/ I just didn't read further into the title 's. One that has me VERY CONCERNED IS HAVING BEEN A VICTIM OF IDENTITY THEFT A few years back- it cost me LOTS OF PROBLEMS. The bank gave my personal information addresses, family addresses to information addresses, family addresses to some repossession company and that is VERY CONCERNING. My car and sons driveway got destroyed by these repo guys- XXXX dollars on front and back breaks because they DESTROYED MY VEHICLE- a neighbor watched as the guys DRAGGED MY VEHICLE ROUGHLY- they came to me immediately. Not only that... I was at my son 's home 2 hours away and they found me. Me and my roommate watched them stalking my house 2-3 times at my home. So they NOT ONLY GAVE MY INFORMATION, my sons too. Or they came on my private property and put a tracker. Which is ANOTHER WHOLE PROBLEM FOR THE ROUGHLY - they came to me immediately. Not only that... I was at my son 's home 2 hours away and they found me. Me and my roommate watched them stalking my house 2-3 times at my home. So they NOT ONLY GAVE MY INFORMATION, my sons too. Or they came on my private property and put a tracker. Which is ANOTHER WHOLE PROBLEM FOR THE BANK. This vehicle is A PIECE OF XXXX SINCE THE REPO- I only owe XXXX. I had to put that much into it after the repo. I WOULD HAVE LET IT GO- my family wanted it back. 
Here 's the codes they broke the law. 15 U.S.C. 1692F part ( 6 ) and ABSOLUTELY IDENTIFY THEFT 15 U.S.C. 60 802

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 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Sent multiple certified mail letters for proof of debt, payment receipts on the account, and agency licensing/information and was never provided. They automatically threatened to report to credit bureaus and threatened my score.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation