vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SHARP COLLECTIONS, INC
State: PA

Complaint narrative:
Follow-up on Complaint ID XXXX Dear CFPB, I am writing to follow up on my previously submitted complaint ( Complaint ID : XXXX, submitted on XX/XX/year> ) regarding the debt collection issue I faced with Sharp Collections. 

The new issue I would like to address involves the townships refusal to provide me with a receipt for a payment of {$19.00} that I made directly to them. I have video evidence of this transaction, as well as a police report that documents the payment. Despite this, the township has failed to issue me a receipt for the payment. 

Furthermore, I want to clarify that at no point was a transfer of these funds authorized by me to Sharp Collections. When I spoke to the police officer who visited my home, I made it very clear that the {$19.00} I provided was meant for the township treasury. Any subsequent transfer of funds between the township and Sharp Collectionsaside from the {$4.00} owed for taxeswas done without my consent and bypassed the proper channels for debt collection. 

I request that the CFPB investigate this matter further, as this situation represents unauthorized handling of my payment and a failure to follow proper procedures for debt collection. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: DC

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NC

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IN

Complaint narrative:
I contacted LexisNexis to dispute the incorrect information on my report that listed on my consumer report. I had disputed three items, one of the items being disputed was my education listed on my report. Initially, LexisNexis had stated I went to XXXX XXXX as an XXXXXXXX XXXX. I never attended XXXXXXXX XXXXy nor earned my XXXX XXXX XXXX. I earned a XXXX XXXX XXXX with an Interdepartmental degree in XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX with a Double major in XXXX from XXXX XXXX XXXXXXXX in XXXX. In addition to earning a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX, I earned a XXXX XXXX XXXXXXXX XXXX in XXXX and a XXXX XXXX XXXX XXXX with a concentration in XXXX XXXX from XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, Indiana in XXXX. Then, I earned a XXXX XXXX XXXX in XXXX with a concentration in XXXX XXXX in XXXX. To ensure my education record was recorded by institution, I went to the XXXX XXXX XXXX which is a database that holds academic records from academic institution. I paid {$39.00} to verify this information and I was successful verified through XXXX XXXX XXXX of my education records. 

I provided LexisNexis with the necessary documentation to update my record, and I was told by LexisNexis in their report of the dispute that the information of my education record was unverifiable dispute providing them with the documentation to update my education record on my consumer report which was used from my background check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-20 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: Self Financial Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-20 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:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Accounts : XXXX. XXXX XXXX XXXX  FL XXXX - Reference numberXXXX XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries : XXXX. XXXX XXXX  XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 





XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX, XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX- This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX This inquiry was not authorized, please remove it from my credit report 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 explanation
Consumer complaint received 2024-09-20 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 consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I open a joint account, I started to notice that someone was taking money out of our account I call the bank and They didnt say that they wanted to talk to my husband, I told them that thats my account too, I decided to open a savings account from the same bank, and I told them that I didnt want nobody else on that account, and if my husband ask tell him the same thing you told me. 2 months later I was working as soon I deposit my check, someone was taking my money, I call the bank they told me that I was the only one in that account. I told them If they can check out who is that person who is taking my money, the say that they were going to do something about it, but they didnt it happen over and over again, we went back to deposit on our account our check s but my sister move with us for 3 to 4 months I saw on her papers tha she had the same account number as my husband s and I. I call the bank ask they did say it was her and I told them that she did not have any permission to take money out of our and my account they didnt do anything

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 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
________________________________________ Dear Sir/Madam, I am writing to seek your urgent assistance regarding my Coinbase account, which has been blocked for over a year. Despite multiple attempts to resolve this issue with Coinbase, I have not received any updates or guidance on the next steps. I am reaching out to you as a last resort, hoping for your valuable intervention. 
I sincerely appreciate your previous support, which has been invaluable in helping me through difficult situations. Your team is doing an excellent job, and I am grateful for your continued efforts. 
The prolonged blocking of my account has been XXXX XXXX, as it has prevented me from conducting essential transactions, such as adding payments or selling coins. Over the past year, I have submitted all requested documents multiple times without any response or update on my account status. 
I am currently XXXX XXXX XXXX and XXXX, relying primarily on XXXX XXXX. My Coinbase account is crucial for supplementing my income, and the inability to access it has placed me under significant financial strain. 
On XX/XX/2024, I received an email from Coinbase indicating an attempt to change the email associated with my account. I immediately clicked the link provided to secure my account, but was redirected to an unrelated website. Concerned about a potential security breach, I attempted to contact Coinbase, but received no response. 
On XX/XX/2024, I received another email stating that XXXX XXXX was being sent from my account. This was alarming, as my account has been blocked for over a year, preventing any transactions such as selling or buying in my account. I am deeply worried about the security of my funds, which represent my hard-earned savings. 
I urgently request your intervention to help resolve this matter. I am deeply concerned about the potential loss of my funds and would greatly appreciate any assistance you can provide. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX Consumer Financial Protection Bureau Subject : Complaint Against JPMCB and XXXX Dear CFPB Team, I am writing to formally file a complaint against JPMorgan Chase Bank ( JPMCB ) and XXXX regarding the ongoing reporting of a credit card account that I believe should no longer impact my creditworthiness. 

The account in question is XXXX XXXX XXXX, and according to the law, it should have already been removed from my credit report due to the length of time it has been active. However, JPMCB continues to report this account to the credit bureaus, which unfairly affects my credit score and financial standing. 

I kindly request that you investigate this matter to ensure compliance with credit reporting laws and protect my rights as a consumer. 

Thank you for your attention to this important issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IN

Complaint narrative:
To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXXXXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXXXXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY 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 2024-09-20 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: IL

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 explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WI

Complaint narrative:
My original loan amount in XXXX was XXXX My balance today is XXXX. 11.96 % interest. I have been paying on this loan for 15 years! Ive been paying {$200.00} per month. I have paid over XXXX total! My estimated pay off is XXXX. This loan servicer is stealing money. None of my loan details make any sense. My loan should be paid off by now.. I have paid every single month. I havent missed a single payment. And I have paid more than double my original loan amount!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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