vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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:
I just ran my credit report for the first time I am a XXXX  XXXX who surved the country for over 20 years, XXXX  Veteran it is very stressful and depressing that I am revieweing my credit report and see that there are unathorized inquiries and accounts that are not mine please assist me in removing this it is sad that I serve the country and someone is using my information for falsey use.. XXXX - XXXX XXXX  XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies NOT MINE NEVER BEEN MINE - XXXX  XXXX - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX - XXXX - NOT MINE NEVER BEEN MINE - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies PLEASE REMOVE THIS FROM ACCOUNT FROM MY FILE. 
INQUIRIES XXXX XXXXXX/XX/XXXX I NEVER APPLIED FOR ANY OF THIS. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I am a retired veteran who served the country for over 20 years it is very depressing and stressful that youre report inaaccurate information.. My personal name is also wrong it should only report XXXX XXXX XXXX My residence is XXXX XXXX XXXX XXXX XXXX FL XXXX I have not lived any other place as it was stationed almsot all my life.

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 2024-05-16 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: FL

Complaint narrative:
There are some fraudulent inquiries on 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 2024-05-16 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( XXXX ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( XXXX ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( XXXX ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off 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 2024-05-16 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: SC

Complaint narrative:
I never recieved any response from the bureaus. PLEASE BEEN DISPUTING THIS ACCOUNTS AND INQUIRIES SEVERAL TIME. I DID'NT RECIEVED ANY RESPONSE FROM YOU. PLEASE MAKE AN ACTION IN THIS CASE NOW! OR ELSE I WILL FILE A LITIGATION. HERE 'S THE LIST XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2300.00} XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 2024-05-16 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: FL

Complaint narrative:
I was the victim of a telephone/internet phishing scam where I was defrauded for my personal information by a scam involving being contacted by someone posing as a representative of my bank, XXXX XXXX . My driver 's license, social security number and card, and debit card information were stolen by the criminal. After receiving calls, texts and letters from collection agencies in XXXX, I checked my credit report to find numerous fraudulent accounts that I did not authorize or create. This has created extreme stress on both myself and family, and has disallowed me access to financial services for vital things needed in our life currently. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX XXXX. I may presume that no proof of alleged debt, nor therefore any such debt actually exists. 

I have attached the FTC Identity Theft Report that was filed and I have attached my XXXX Credit Report showing that they have removed all the fraudulent accounts. I need XXXX, Equifax, and XXXX to remove the accounts today. 

Fraudulent accounts/collections to be removed immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
As of approximately XX/XX/XXXX, Coinbase placed these restrictions on my account and I still can not deposit or withdraw my money. I've had my Coinbase Account for over 4 years, however I recently decided to in

vest more of my money into crypto/the account. I was only able to transfer a portion of my money into the account before they placed " restrictions '' on my account, stopping me from depositing or withdrawing money from my account. I have contacted them many times over the past 2 months about these restrictions, but have not received 1 ) a reason for why they were placed on my account and 2 ) an accurate date on when I would be able to regain access to these functions. Of the many times I have contacted them ( via phone or their chat service ), they have required me to answer several rounds of questions ( often the same questions ) detailing the purpose of my use of their platform AND to provide them photo identification. I have provided them my Driver 's License and Passport twice. Despite the amount of times I've contacted them and provided them the requested data, they're still not giving me insight into when I can access my account. What's made the situation worse is that in one instance of communication on XX/XX/XXXX, I was speaking with their automated system and received a very shocking response. It informed me that " Unfortunately, Coinbase has determined transactions with bank accounts are permanently disabled for your account. For security reasons, we can not disclose the reason. But don't worry, to continue making transactions, you can add a different payment method. '' I immediately called in to Coinbase Support, created Case # XXXX, and went through two more rounds of questions and another photo identification. I still have not received word on accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Ive recently checked my credit report and notice inaccurate personal information reporting

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Several inquiries on report I don't recognize too many to count

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
1099 of charge off and statements of my Name stating it is my account as this account does not have my name on it nor does it have my address.

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 2024-05-16 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: TX

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Please provide a 1099 if the account has been charged off and all statements with my full name XXXX XXXX XXXX XXXX and address that is on my drivers license and birth certificate, if you can not provide this please delete 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 explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public La

w 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your Cooperation and prompt attention are great
ly appreciated.

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 2024-05-16 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:
Ive asked credit one to send me a copy of the credit report they report to credit bureaus because Im noticing on my credit reports that they are not including payments that I make on all of my balances. Ive have been paying them all off and can show my statements regarding that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Advantage Credit, Inc.
State: KY

Complaint narrative:
Many hard inquires on my credit report for credit cards and auto loans which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Global Lending Services LLC
State: KY

Complaint narrative:
Many hard inquires on my credit report for credit cards and auto loans which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX I received notification from CRAs that XXXX reported my loans as being on payment moratorium due to petition for XXXX  XXXX bankruptcy. They also placed an old account including derogatory payments from XXXX. This derogatory account was originally placed on my report by my previous loan servicer and was removed from my report about a week ago due to the account being too old to be on my credit report because the missed payments occurred more than 7 years ago. This is the second instance in which XXXX has ruined my credit by reporting inaccurate information. The first time being XX/XX/XXXX at which point I had to make several phone calls to get a resolution that took more than XXXX  days. My loans are in repayment and have been since XXXX. XXXX is also continuing to deduct payments via autopay while reporting delinquencies. They also initially refused my request for help instead opting to tell me to open a dispute with the credit bureaus. My credit is ruined and I am fed up with XXXX incompetence. have kept my end of the bargain by making all payments on time. I expect XXXX not to cause me financial harm intentionally or unintentionally. I have kept my end of the bargain by making all payments on time. I expect XXXX not to cause me financial harm intentionally or unintentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
XX/XX/XXXX, ASKED FOR NEW DEBIT CARD. WILL PAY FOR OVERNIGHT DELIVERY. IOT NEVER ARRIVES. I CALL several times saying that it was on its way. IT WAS NOT. Finally I get someone on the phone again on XX/XX/XXXX, they said they forgot to send it out and it was sent out Friday, XX/XX/XXXX. XX/XX/XXXX RECEIVED. Find out XX/XX/XXXX I was charged {$15.00} for overnight express one week late I don't believe it's my fault that they forgot to send it out a week before that is there responsibility. I could've had it mailed to me for free in 10 days. THIS IS AN EXAMPLE OF THE TYPE OF FINANCIAL ABUSE I HAVE BEEN EXPERIENCING WITH THIS CHECKING ACCOUNT,. THEY NEED TO REFUND {$15.00} OVERNIGHT FEE,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Received a warning that 8 different unauthorized credit inquiries occurred with XXXX. One with Transunion and one with XXXX ( both from XXXX ). These occurred on XXXX XXXX XXXX 

I have not applied for any new accounts or credit.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Received a warning that XXXX different unauthorized credit inquiries occurred with XXXX. One with XXXX and one with Equifax ( both from XXXX ). These occurred on May 15-16 2024. 

I have not applied for any new accounts or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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