vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I want XXXX XXXX, Experian and XXXX to immediately delete and remove all fraud alerts and security freezes from my XXXX XXXX, Experian and XXXX 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 explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize : 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 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00}

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$680.00} and XXXX XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> BALANCE {$1300.00}. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I am showing a past due balance from XXXX XXXX XXXX  less than {$10.00}. The balance incurred because I returned a purchase from XXXX and then was occurred service fees for having the account I definitely sign up for auto pay which would have taken care of any such past due balances I spoke to numerous representatives which told me that they took care of the issue, they changed the past due balance as paid agreed now all of a sudden its showing up as 30 days past due. Spoke to supervisor XXXX and many more past that which told me that the issue would be corrected because they already adjusted the past due balance to paid as agreed. Now all of a sudden theyre on their promise and showing as past due 30 days late. Theyre now rethinking on the promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I XXXX XXXX formally XXXX in 2021 went to premier auto of XXXX AZ to purchase a used car. I was informed my credit was low and needed a co- signer I have reached out to my sister XXXX XXXX who agreed solely to co-sign. 
I in office filed out the buyer information as my sister lived in CO a later date she signed Co-signer but never received a copy of any formal documentation. 
Payments were made but I was uninformed they were not accepting them and defaulted me in response with a repossession. 
I presuming I am stated as buyer as I signed that form was informed I was placed as a co-sign. This is illegal. 
Both I and my sisters names where moved in spots on a digital copy I received at a later time and once questioned the dealership would not responded nor the XXXX XXXX bank who approved a fraudulent loan. 
Now XXXX is perusing legal suit in a closed collection on my sister the original and only co-signer with a second and altered contract that does not match my already fraudulent contract. I want them to be looked at for unsafe credit act use and wrongful use of lending practice.

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 2024-03-11 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: MD

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MD

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase is withholding my funds and not allowing me the ability to transfer them. Recently, it was brought to my attention that my account was being closed. I go to Coinbase.com and the page is a notice of closure and it instructs me to provide an external wallet to transfer my remaining XXXX, however, when I attempt to do so, it says I am denied permission. 

I have been on the chat with costumer service three times since XX/XX/XXXX. It takes hours being I am able to get ahold of anything. Trying to actually talk to something takes even longer. When I am able to chat with someone, I get contradicting information. Sometimes I am told to wait a couple of hours and others I am told to wait 72hrs. I have waiting more than 72hrs and I am still not able to transfer my remaining crypto to an external wallet.

I am running out of options. My last resort is to take legal action against Coinbase. I have {$34000.00} USD originally invested from XXXX. Because of the refusal to release my funds, I have lost profit and run the risk of losing my original investment. It seems like a simple request to allow me to transfer my crypto. Again, this was the instructions from Coinbase itself and yet I am not able too. 

Upon my own research, I have found that this is not only happening to me, but thousands of individuals dealing with the same situation and lack of cooperation from Coinbase. I honestly do not know what else to do. This is a time sensitive issue as well because of the volatility of crypto. This would not be an issue if Coinbase would just allow me to transfer my remaining crypto, as they instructed. Even though I have been in communication more than three times, I only have two case numbers ( # XXXX ) ( # XXXX ). One representative told me that the case numbers were not a thing and did not exist. I was only able to retrieve that information via my mobile application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warningXXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1100.00} and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. Please remove.

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 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
KIA Finance America and Adminstration and third parties collection companies out of the XXXX of California have been harassing me on a debt that I am not liable for. 
I respectfully leased a XXXX Kia XXXX on XX/XX/XXXX at KIA XXXX, CA during the Covid 19 Pandemic. 
Around XX/XX/XXXX I went XXXX KIA to trade in the XXXX leased KIA XXXX for another KIA vehicle. XXXX XXXX XXXX, the General Manager refused to accept my request for a trade in. The sale of a XXXX KIA Soul was approved by KIA Finance America.

The XXXX KIA XXXX was returned to KIA Finance America and the XXXX KIA Soul was involved in a serious car accident wherein a big truck collided with my KIA Soul causing the car to be totaled. 
I therefore did not have any of the vehicles in my possession and have been receiving messages and threatening letters from KIA Finance America and Third Party Collections Companies. They are trying to collect debts of $ XXXX am going through much economic hardship and struggle to earn income as a XXXX and XXXX rideshare driver. This rideshare driving work is very competitive, tiring and dangerous but I have to support my XXXX son and daughter in college. 
I do not have any Attorney/s to support me with the unlawful collections by KIA Finance America and Administration . The legal letter that is enclosed was written by a XXXX XXXX Attorney as I am a member of XXXX XXXX 
I am NOT represented by any Attorney or any other legal Counsel. 
In conclusion, I am a struggling XXXX and XXXX driver working very longs dangerous hours to support my family. I need help by ceasing all collection calls and to remove all derogatory remarks on my credit report such as XXXX XXXX, XXXX and XXXX. 

ACCOUNT Nos : XXXX ) XXXX KIA SOUL # XXXX XXXX ) XXXX KIA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX phone # XXXX Website : XXXX Reference # XXXX ( PIN : XXXX ) ( HYUNDAI CAPITAL AMERICA for KIA XXXX XXXX ) This is a fraud collection because I never purchased any Hyundai Vehicle .

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
It has come to my attention that West Central Texas Collect and XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
This company wrote off my debt as a " Chargeoff '' and so it is now considered taxable income for me. Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports.

15USC 1692 g & 15USC 1681 ( e ) B Ive asked for a 1099c and have not recieved one

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX Please removeXXXX

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 2024-03-11 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 recently checked my credit report and saw accounts reporting that I do not recognize : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
I recently checked my credit report and saw some accounts that I do not recognize : Acct Name : 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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NV

Complaint narrative:
I made a purchase of {$500.00} from XXXX using my Discover credit card. However, I never received the merchandise. After that, I reached out to XXXX, but they didn't respond, even after promising to investigate and get back to me within 15 days. I then filed a complaint with the XXXX XXXX XXXX XXXX XXXX still didn't respond. As a result, I filed a chargeback with Discover to dispute the charge. However, Discover deemed the charge valid without even investigating the overwhelming evidence about the delivery address not being mine, ignoring my multiple attempts to resolve the issue with the merchant, and the lack of response from XXXX. On XX/XX/XXXX, I received a letter from Discover asking me to submit any evidence to overturn their decision within 15 days. I feel like Discover won't help, as I have tried to resolve the issue with XXXX and have submitted substantial evidence. I have also involved the XXXX, but unfortunately, they were unable to help me either. Therefore, I am hopeful that the Consumer Financial Protection Bureau can assist me in getting a refund. If the charge is not removed, I will be forced to cancel my Discover credit card and start shopping locally using cash instead. I have attached evidence that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: DE

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-11 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:
XX/XX/XXXX I used online XXXX to clarify proof of debt. They sent me the XXXX promissory note and deed of trust. XX/XX/XXXX I sent XXXX the Opt-Out of third party personal information sharing. They refused and said they are following instruction from XXXX. 

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened Incorrect non-matching balance Incorrect past due Incorrect payment status incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment

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