vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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.
State: FL

Complaint narrative:
Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXX XXXX XXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : XXXX XXXX XXXX  XXXX request immediate deletion - Account : XXXX XXXXXXXX XXXX XXXXXXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX  Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX XXXXXXXX status and balance. Request immediate deletion - Account XXXXXXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : Resurgent NO CONTRACT request immediate deletion - Account XXXXXXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX  XXXX VIOLATION : request immediate deletion - Account XXXXXXXX XXXX XXXX  incorrect balance and status : request immediate deletion

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX  XX/XX/year> I received an email stating that there was an over draft fee for XXXX ( my business ) but the account number noted was for my personal account ending in XXXX. 
A few minutes later i receive another email that stated i had another over draft fee for the same account but this time in the client section if had my name instead of the business name. At that point i login into my account to find that Truist has performed a force pay memo. 
XX/XX/year> : I placed a call to Truist at XXXX. I poke with a XXXX by the name of XXXX. My question to XXXX was when did my personal account get linked with my business account. Per the XXXX, she could not answer that because there wasnt a notation indicating when, why or who authorized this. Per XXXX when a request as such occurs they are required to make a notation. I politely thanked her for help and disconnected the call. 
XX/XX/year> : I then Placed a call to Truist account recovery department at XXXX. 
I spoke with a XXXX who indicated that she could not provide me with the details of my contract nor could she provide me with a copy of my signature agreeing to then recovering money for my personal account to cover fees/charges for my business account. 
I then requested information regarding the account ( Account number/Status/If they owned the account ). I was told that they sold the account to XXXX XXXX XXXX and they were collecting money for them. I then asked if Truist no longer owned account how do they have the right to collect on it for some one else. 
In summation. Truist has sold the account ( an account they cant provide any information on ) and now stealing from my personal account to recover money for XXXX count they do not own and not able to provide me any information it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
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 2024-11-06 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: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off : XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} credit inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Name : XXXX XXXX Previous XXXX ( es ) : XXXX XXXXXXXX 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 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I received a loan from OneMain Financial in XXXX of this year. In XXXX, I had a double mastectomy from a XXXX XXXX diagnosis and problems with my XXXX money caused me to become behind on several bills. 

OneMain was the only option at the time for a personal loan. I was skeptical when OneMain asked for the title to my car, a XXXX XXXXXXXX XXXX, XXXX miles. However, I did hand over the title so I could get my creditors paid. 

Because my car is low in value compared to the loan I received from XXXX, I requested title back to my car. I had made payments to the loan which totaled the value of my car as is ( around $ XXXX {$1200.00} ). I was already dealing with having to replace the catalytic converter, but advised XXXX in the event of a catastrophic failure in the car, I was not in a financial position to make repairs to the car nor would I spend more on repairs than the car was worth. 

I was contacted by XXXX of the XXXX XXXX at XXXX who advised they had done an appraisal on the car and valued it at {$6100.00}. When I pressed what engine or XXXX they used to determine such value, she would not tell me. All that I was told was that in order to get the loan I did, they needed to increase the value of my car. I told her there was absolutely no way that car was worth {$6100.00} - I am on my second engine, the interior leather is pealing and there are locks broken on the passenger and passenger backseat. 

I even told the representative who assisted me with the loan that my car was in no way worth even XXXX of the loan they were giving me. I was not explained that they input value to my car or else I probably would not have taken the loan. Not only this, but I had to put OneMain on my insurance as a lien holder. Im not comfortable with that at all. In the event something happened to my car or I was in an accident, they would file a claim for monies on the car, leaving me high and dry and without a car. 

All I want is my car title back and the loan redrafted to an unsecured loan. I will pay the loan off in 3 years, but I would like my car title. The reality is, I keep my car maintained, but it is a XXXX XXXX XXXX car with it being shy of the XXXX mile mark. I have also seen reviews where people are still waiting for the titles to their car back, XXXX years, which is another concern of mine. I would like the XXXX help in at least getting my car title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which entitles me to have fraudulent information blocked from my credit file.

The following accounts were fraudulently opened in my name and should be removed from my credit file : Fraudulent Accounts XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9400.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$27000.00} XXXX. XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$6000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$77000.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX - {$77000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX 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 2024-11-06 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: CO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of several fraudulent accounts appearing on my credit report. As a victim of a data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX XXXX  XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9600.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6000.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : Georgia XXXX XXXX XXXX XXXX XXXX, XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments for the months of XXXX, XXXX, XXXX, XXXX, AND XXXX OF XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : Georgia XXXX XXXX XXXX XXXX XXXX, XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments for the months of XXXX, XXXX, XXXX, XXXX, AND XXXX OF XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-06 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Hi, I started out as a Coinbase user in 2021. I purchased some bitcoin on Coinbase, that was fine. The records are there. 

Later on in 2021, I used Coinbase XXXX because the transaction fees were cheaper. I purchased bitcoin and ethereum there. ALL of the transactions are missing. I have XXXX record of the cost basis of the transactions made on Coinbase XXXX. 

Over the last few years, Coinbase XXXX and Coinbase merged. I have spent hours on the phone with a customer service representative at Coinbase, and they can not find the cost basis. 

I've tried calling again and again but have been unable to reach anyone. 

Please resolve this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA

Complaint narrative:
I found this debt on my credit report, contacted them. and have not received any information, need this resolved and removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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.
State: GA

Complaint narrative:
You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n
( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the co

urt may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Please remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation