vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: PA

Complaint narrative:
Company is reporting a late payment for XXXX when the vehicle was paid in full in XXXX and never late. This has caused adverse action against me and caused my score to drop drastically. 

Account : 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Company is reporting a late payment for XXXX when the vehicle was paid in full in XXXX and never late. This has caused adverse action against me and caused my score to drop drastically. 

Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 



ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX Date Opened : XXXX Account name : XXXXXXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX XXXX Date opened : XXXX Account name : XXXX XXXX Date opened : XXXX Account name : XXXX XXXX XXXX Date opened : XXXX Account name : XXXX Date opened : XXXX Account name : XXXX Date opened : XXXX Account name : XXXX XXXX Date opened : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much XXXX. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

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 2024-08-04 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: FL

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am a natural person. This is me, the actual person submitting this dispute, not a third party. I am writing to formally request the immediate removal of an erroneous account reported by loan servicer Dept of EdXXXX XXXX account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, Dept Ed ( XXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. XXXX 's inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXXXXXX XXXX XXXXXXXX, the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. Moreover, the case of XXXXXXXX XXXX XXXXXXXX XXXX XXXX further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports.

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 2024-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Genesis Credit Management is trying to say I owe {$17000.00} to XXXX XXXX. This is extremely incorrect. They are also unethically charging interest throughout the year which is adversely affecting my credit score. 

They also need to know I will not be paying any unethical company that indulges in unethical practices any money for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: IN

Complaint narrative:
I was looking at my credit report and i noticed errors on the report. i understand that you will investigate these errors for accuracy because they are hurting me and getting me denied credit when I apply. I am certain you will investicate to assure complete accuracy. 
Listed below is the account i would like you to investigate for accuracy. 

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 2024-08-04 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: IN

Complaint narrative:
I was looking at my credit report and i noticed errors on the report. i understand that you will investigate these errors for accuracy because they are hurting me and getting me denied credit when I apply. I am certain you will investicate to assure complete accuracy. 
Listed below is the account i would like you to investigate for accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I received a letter from the U.S. department of education stating my student loans are being discharged and I no longer had to make payments on them. Nelnet has taken out payments and Ive had to ask for forbearance multiple times which has incurred interest. Legally they were supposed to put my loans on forbearance without interest until the loans were discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible. If not, I will be filing a complaint with chancery court.

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I disputed a transaction with PNC Bank. The company XXXX is a third party hotel booking service. The motel I was supposed to stay at would not let me stay so XXXX tried to get me my money back. They were not successful in reaching the motel manager. They advised me as well to file a dispute with my bank. XXXX reached out to me on XX/XX/XXXX and told me that it was settled in my favor and I would get {$61.00} back. When I call PNC they tell me that they never received the money and they're still investigating it and they have 90 days. I feel that PNC is doing this to everybody that files a dispute. Normally the disputed company is not so forthcoming with information. In this case they were. I believe PNC is reaping the interest benefits and then waiting till the 90 day Mark and then giving people their money back. They have been nothing but rude to me and just repeating we have 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-04 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: NY

Complaint narrative:
I noticed a bill experian added to my XXXX  account without my knowledge or authorization, called XXXX. I was unable to contact an experian representative and they ignored my requests for clarification. I received an email stating my credit score had been decreased significantly. When I checked the experian account, I found they removed all of my XXXX  bills without my knowledge or permission. They still have not told me how a random account was added, who added it, when, how and why. Something is very, very wrong and I can not get answers from this company. They should be shut down. They are destroying lives. It is not a joke. I am not a joke.

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 2024-08-04 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: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 if 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 2024-08-04 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: GA

Complaint narrative:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 if 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom it May Concern, Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX County . I am writing this complaint because Experian Information Solutions , Inc., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Experian credit file of XXXX XXXX XXXX , Consumer.

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 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: DC

Complaint narrative:
A XXXX debit card with my name on from the company Cash App was mailed to my home address. I do not have a Cash App account and I did not request or open this debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: FactorTrust, Inc.
State: NV

Complaint narrative:
I am writing to request the deletion of inaccurate and fraudulent accounts, inquiries, and information present on my consumer credit reports and to bring to your attention the failure of FactorTrust to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent a certified a dispute letter to this company requesting verification of these accounts, inquiries, and information as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company but consumer report request. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, FactorTrust has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts, inquiries, and inaccurate information on my credit report immediately. 

I formally request FactorTrust to remove the disputed accounts, inquiries, and information from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/year> i sent a small amount ( XXXXXXXX XXXX ) as a test transaction to my wallet. After a successful transaction i tried to send more but was locked out for " security '' reasons. They said i had to verify my identity which i did. They said i couldn't make any other transfers until XX/XX/year> for " security '' reasons. Now on XX/XX/year> when i tried to transfer MY crypto i am blocked for " security '' reasons. Had to re-verify my identity and am now blocked from transfers until XX/XX/year>. I'm willing to bet that on XX/XX/year> it will be a repeat of latest " security '' block.

Company response to consumer: Closed with monetary relief