vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 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: NY

Complaint narrative:
I am writing to bring to your attention a matter regarding inaccurate information on my Experian credit report. On XXXX XXXX XXXX, I contacted Experian to dispute the following discrepancies, but as of the current date, I have not received a response from them. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information : The following account was never late : Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$210.00} Not My Account : The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Original Creditor : 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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, ( 15 U.S. Code 1681c, subsection 2, no consumer reporting agency may make any consumer report containing any adverse item ( s ) of information, other than records of convictions of crimes. No adverse item besides, the conviction of crimes, should be displaying on my credit report. I did NOT give consent to XXXX, XXXX or XXXX to furnish any negative, derogatory or adverse item ( s ) currently on my report, which is a VIOLATION of my personal & privacy rights under the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( 4 ) a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This hard inquiry is an adverse item these credit reporting agencies are reporting without my permission which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I have been trying for weeks to get XXXX $ out of my Coinbase account. I can not link my bank or XXXX accounts for withdrawals, only deposits, which is very strange. 

Ive reached out to Coinbase on their X support page multiple times since XX/XX/XXXX, that was my first attempt. The support agents handling this issue have not provided me with an alternative method, solution, or explanation. Only to say I need instant verification which can only be provided with a linked bank account, which they can not process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank/ Best Buy is reporting delinquencies to all credit bureaus, But I have never opened an account with Best Buy. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of Identity theft in XXXX of 2021 when I left my wallet with all of my information and identification in basic training while I was being transferred to XXXX for my permanent duty station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account delinquent. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX  because it's causing my l ; life more problems, thank you.

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 2023-11-23 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding discrepancies in my credit report, and as of today 's date, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX XXXXD Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Issue : The account was never late. Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: IL

Complaint narrative:
I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake.

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: IN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-23 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2023-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NE

Complaint narrative:
Trying to collect debt that is past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: NJ

Complaint narrative:
The following hard inquiries below are a result or fraud and identity theft. Please remove them from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc.
State: MD

Complaint narrative:
I am writing to express concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and the Title VI Consumer Protection Act Law 15 U.S.C. 1681-1681x by Happy Money . Specifically, I am concerned about your credit reporting practices, which may include reporting payment delinquencies after the payment has been processed, rather than based on the date the payment has been received and Happy Money waiting to properly credited to the account. Moreover, it takes 5 days to change financial institutions if a customer would like to redirect their payment from an alternate account. Additionally, I am concerned about the potential marginalization of people of color who already have disproportionate credit scores. 

Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the Consumer Financial Protection Bureau XXXX CFPB ) was granted rule-making authority over the FCRA. The XXXX XXXX also introduced amendments to the FCRA, requiring the disclosure of credit scores and related information when a credit score is used in taking an adverse action.

It is essential to ensure that credit reporting practices are accurate and fair. Reporting payment delinquencies based on the date a payment is processed, rather than the date it has been received and properly credited, may lead to inaccurate credit reporting and negatively impact individuals ' credit scores and future credit opportunities. Such practices may be in violation of the FCRA, which requires fair and accurate credit reporting.

Furthermore, it is important to address the potential marginalization of people of color who already face disproportionate credit scores. The Title VI Consumer Protection Act Law prohibits discrimination in programs and activities that receive federal financial assistance. By marginalizing individuals with already disproportionate credit scores, Happy Money may potentially be in violation of this law.

In addition to the FCRA and the Title VI Consumer Protection Act Law, it is crucial to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Community Reinvestment Act ( CRA ). The FDCPA mandates fair treatment, accurate representation of debt information, and prompt resolution of consumer disputes. The CRA requires activities that meet the credit needs of all segments of the communities you serve, including historically underserved populations. Compliance with these acts is essential to maintain fair and equitable practices in debt collection and community reinvestment.

Lastly, it is important to assess and address any algorithmic biases in your banking algorithms. Biases in algorithms can perpetuate discrimination and unfair treatment. Executive Order 13985 emphasizes the need to address biases in algorithms used in decision-making processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address discrepancies in my credit report, and as of the current date, I have not received any response from them. 
The following are the details of the inaccuracies and the requested corrections : Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Request : Remove from my credit report. 


Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Request : Remove from my credit report. 

Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Request : Remove from my credit report. 

Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Request : Remove from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Request : Verify and correct information, dispute the account, and request verification of Date Opened and Date of First Delinquency. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Request : Remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Well I received a letter from this company saying I owe them money yet I never owed a medical bill or borrowed money from any one in this company or icp

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 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CLOSED ACCOUNT : WFFNATBANK # 577442 UNAUTHORIZED INQUIRIES : CPS 06/06/2023 TU COAF 06/06/2023 TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-23 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNT : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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