vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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:
I am writing to formally dispute accounts and inquiries listed on my consumer credit report ( referenced below ) that are the result of a data breach or fraud. Additionally, I demand verifiable proof, including my signature or electronic signature, to validate these actions. 
This letter is written on my behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Block of Information Resulting from Identity Theft [ 15 U.S.C. 1681c-2 ] Section 604 : Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] I have contacted the companies in question and confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are inaccurate, as I did not authorize them. Therefore, they are either the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate and remove the unauthorized entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Phillips & Cohen Associates, Ltd.
State: PR

Complaint narrative:
I am filing a complaint regarding the actions of Phillips & Cohen Associates LTD, who is attempting to collect a debt on behalf of XXXXXXXX XXXX. Specifically, the Debt Collector has failed to provide proper validation of the debt as required by law under *15 U.S.C. 1692g*, and has forwarded the debt to the Credit Reporting Agencies ( CRAs ), impacting my credit report without validating the debt.

Failure to Provide Validation of Debt ( 15 U.S.C. 1692g ) * On XXXXXXXX XXXX XXXX I received an email from Phillips & Cohen Associates LTD regarding an alleged debt owed to XXXX XXXX XXXX However, the Debt Collector did not provide me with the required written validation notice within the five-day period mandated by law under **15 U.S.C. 1692g ( a ) *. This notice should have included : - The amount of the debt, - The name of the original creditor, - A statement that I have the right to dispute the debt within 30 days of receiving the notice. 

To date, I have not received any communication from Phillips & Cohen Associates LTD that satisfies this requirement.

Request for Removal from Credit Reporting Agencies ( 15 U.S.C. 1681c, 15 U.S.C. 1681s-2 ) * As the debt has not been properly validated in accordance with *15 U.S.C. 1692g, and since Phillips & Cohen Associates LTD has forwarded this debt to the Credit Reporting Agencies, I request the immediate removal of the XXXX XXXX account from all CRAs to ensure my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681c* and *15 U.S.C. 1681s-2*. These provisions mandate that credit reporting be accurate and that creditors or debt collectors must report only information that is verified and correct. 

The failure to provide validation of the debt, coupled with the reporting of an unverified debt to the CRAs, constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: VA

Complaint narrative:
I disputed inaccuracies on my Equifax credit report by mailing my dispute and supporting documents, including my drivers license, bank statement, and XXXX XXXX In their initial response, Equifax claimed they were unable to locate my credit file in their database. Subsequently, they stated that the documents I submitted were fraudulent. However, in their most recent letter, Equifax now claims that the documents were illegible. 

I believe this series of responsesfirst claiming they couldn't locate my credit file, then alleging fraud, and now citing illegibilityare delaying tactics to avoid conducting a proper investigation into the inaccuracies on my credit report. The documents I provided were clear and legible, and they meet the identity verification requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB intervene and require Equifax to properly process my dispute and conduct a thorough investigation into the disputed items to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.

2. Date of Last Payment The most recent payment made on the account.

3. Date of Charge-Off The date the account was charged off.

I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MN

Complaint narrative:
I have been trying for months now to get my address updated on my credit reports to match every bureau and to delete the old addresses I have never lived at or use to live at. I have attached a drivers license with my current address. Please update my personal information with on proper address and delete any other addresses, name variations, etc.

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 2025-01-05 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: MN

Complaint narrative:
I have been trying for months now to get my address updated on my credit reports to match every bureau and to delete the old addresses I have never lived at or use to live at. I have attached a drivers license with my current address. Please update my personal information with on proper address and delete any other addresses, name variations, etc.

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 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase has repeatedly harassed me under the guise of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
account was charged off with consumer remarks stating profit loss write off. No 1099 c form given. Continues to attempt to collect despite debt being forgiven Under the Fair credit laws + IRS rules canceled debt is income and no longer collectible. Navy federal is reporting negative and inaccurate information. They also continued to report charge off on report as fresh charge offs every month up until XXXX which is an abusive tacit meant to further damage. Theyve ceased reporting charge off every month but failed to correct previous months in which they were reporting charge off which is inaccurate reporting. Please remove and please send 1099c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Early Warning Services, LLC
State: MN

Complaint narrative:
Attached is a police report for XXXX XXXX XXXX XXXX, For Consumer Financial Protection Bureau Report Number : XXXX I sent to XXXX XXXX XXXX I want XXXX XXXX to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others and me from my XXXXXXXX XXXX Consumer Report ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX XXXX XXXX XX/XX/year> Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.


2. Date of Last Payment The most recent payment made on the account. 3. Date of Charge-Off The date the account was charged off. I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial repossessed my XXXX XXXX XXXX and never gave me a chance to correct/continue with the retail installment contract, when asked about the loan and the balance and reinstatement the process went south and they responded with making full payment of the loan which was less than XXXX  months old, they then put an amount of $ XXXX dollars in past due payments and it has been a year and they have it listed as a collection/chargeoff? Why is it there, they sold the vehicle at auction and I never recovered the car and its preventing me from getting a new loan, please come to my aid and help resolve this stain on my credit. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I believe My information was stolen in the data breach and was used to open multiple accounts.

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On [ XX/XX/year> ], I discovered that my personal information had been compromised, resulting in the unauthorized opening of these accounts. I did not authorize the opening of these accounts, and I am not responsible for any transactions or debts incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number:XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.

2. Date of Last Payment The most recent payment made on the account.

3. Date of Charge-Off The date the account was charged off.

4. A copy of the 1099C showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within XXXX days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. I would also request you contact the credit bureaus ( XXXX, XXXX, TransUnion, XXXX ) and have the entry deleted from their records as well immediately.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number:XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records

: 1. Date of First Delinquency The first date that the account became delinquent. 2. Date of Last Payment The most recent payment made on the account. 3. Date of Charge-Off The date the account was charged off.

4. A copy of the 1099C showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request.

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX checks from the same company issued by XXXX ; however XXXX check got jammed in the branch atm machine so I was not credited for the check. As I stood at the atm machine for a moment I thought the machine was going to eat my card because the machine was making noise and seemed the motors were spinning ; after about XXXX minutes the atm machine spit out a receipt and released my card. I ASSUMED THE BRANCH WOULD DETECT THE PAPER JAM WHEN THEY REFILLED THE ATM WITH CASH and collected and reconciled that atm machine. Time passed so I thought I would visit the branch XXXX XXXX XXXX, where I had deposited the check and was met by the RUDEST WEIRDEST bank worker ever ; who I will describe as tall and of XXXX descent. Very nasty from the beginning with any inquiry brought before him. Clearly he displayed a very disparaging toneXXXX ) He wanted possession of my atm card, I replied I can just read you the numbers ( for verification I dont see why it wasn't the same procedure as the teller window when you stick your card in the machine and key in your PIN number ). XXXX ) This man kept stating, she claims as if I was making the entire BUSINESS purposeful meeting completely out of thin air. I tried explaining what happened but the bank worker only exacerbated the meeting with negative comments! I thought the bank representative would note the situation since the incident happened at their branch and perhaps upon seeing the receipt the atm spit out make a note of exactly what machine it was and have it repaired. However, I was met with this statement WE DONT REPLACE MONEY in the atm machines or gather all the deposited checks at the end of the day from them. I am making this complaint because the bank worker insisted upon not hearing the FACTS stating to his bank lobby audience how much he wanted to help yet was so Rude and Negative and keep repeating I was claiming ; I was not claiming but giving detailed FACTS backed up by a receipt spit out from the ATM machine and bank camera footage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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