vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate Late Payment/Charge Offs on my Credit Report To Whom It May Concern, Upon reviewing my credit report with [ Experian, XXXX, XXXX XXXX ], I identified multiple inaccurately reported late payments/charge offs for the following accounts : XXXX XXXX XXXX XXXX  XXXX Your actions are in direct violation of 15 USC 1681b and 15 USC 1681, which explicitly dictate that consumer information can only be furnished with direct consumer consent and that certain transaction information should not be included in consumer reports. Specifically : Transaction data solely between myself and your reporting agency should be excluded unless specifically authorized. 
Approval or denials related to credit extensions, and certain third-party communications, are also not permissible for consumer reports. 
Additionally, when a debt is charged off, it is considered canceled debt, allowing the creditor to write it off as a loss for tax purposes. You should provide me with a Form 1099-C reporting the amount of this canceled debt, which I must include as income on my tax return. Also, income can not be reported as debt ; income refers to money earned, while debt represents money owed. However, canceled debt can result in taxable income, which I must report when filing my taxes.

Furthermore, under 15 USC 1681i, consumers have the right to dispute inaccurate information on their credit report, requiring credit reporting agencies to conduct a reasonable investigation. I have not received any 1099-C from either company, but you are reporting a charge-off on my report for multiple months which is also inaccurate information, and the role of the reporting agency is accuracy.

This report violates the permissible purpose requirement under FCRA. I expect these erroneous late payments/charge offs to be removed immediately to prevent further legal escalation. Failure to comply will result in additional action based on 15 USC 1681n pertaining to the civil liability of credit reporting agencies and users of consumer reports for noncompliance with the Fair Credit Reporting Act ( FCRA ) Thank you for your prompt attention to this matter. I expect written confirmation of these removals within 30 days. 
Sincerely, 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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
Pangea closed my account permanently. They stated I violated the user agreement. Their website does not track the availability of funds that can be transferred so I had no idea I was breaking their rules. Pangea should be notifying customers that a transfer is excessive, instead they just close your account without warning. They actually sent me a notice stating they needed to verify my ID so I sent them a photo of my drivers license, turns out that was not the problem. That was deceptive, they are not communicating the truth to me the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cashapp froze my money and now I can't access it. I tried to contact them but they are of absolute no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Hi. Ive attempted to contact Santander Bank to access my funds in person, through phone customer service, and through the automated line. Initially, my phone number was removed from my XXXX account without my knowledge or consent. My phone service was and is still active and information was accurate. However, I was told I had to go in person even though XXXXm traveling for work.i called the branch in XXXX NJ on Friday, and asked to speak to a manager because I was fleeing XXXX XXXX ( which is documented I have proof of this ) and did not have an ID. I was informed even though on Friday XX/XX/XXXX I could access my online info, I know my social security and can verify my direct deposit ( Social Security was deposited ) I was given rude treatment by a young XXXX woman who refused to give her name, and I asked to speak to her XXXX and she almost refused, and demanded to know why. I explained why I was not obligated to explain this. After calmly explaining to the manager I have qualifying information to validate my identity, if I went in person could I get a new debit card and set up my XXXX, he tells me in contradiction to Santanders phone customer service, that without any Id they would refuse to validate my identity or offer me any service whatsoever. Today, Sunday XX/XX/XXXX I attempted to login into my bank today as usual in order to check my balance. After using my auto login, it denied me XXXX separate times even though my information was accurate, my account was locked. So effectively, I am being defrauded out of my direct deposit and being refused service and I would like to file a complaint for malicious conduct and poor business practices in the financial sector. I have made any and all attempts over the course of 3 months to contact XXXX to withdraw and access my funds and they have been the most difficult institution I have ever worked with. I am XXXX and this violates my rights as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am calling for an investigation.

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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding Coinbases withholding of my funds, totaling {$24000.00}, since XX/XX/year>. Despite being a long-time Coinbase customer with a verified account and engaging in only legitimate business activities, I have been provided with no timeline, explanation, or assurance as to when I will be able to access my own funds. 

On XX/XX/year>, I attempted to withdraw {$24000.00}, which was immediately flagged by Coinbase and placed under a " review '' process. I was assigned a case number of XXXX, but the only information I received was that my account is under review. No details have been provided about the reason for this hold or any expected timeline for resolution, which leaves me with significant financial uncertainty. 

This delay is causing severe financial strain, as I have credit card bills due soon, and any delay in paying these bills will result in financial loss from late fees and interest charges. My funds have been held without any clarity or explanation, and Coinbase 's silence on this matter is unacceptable for a platform that advertises itself as reliable and customer-centric. 

I urge you to prioritize this case and release my funds immediately. I am more than willing to provide any additional information required to facilitate the review process, but withholding my funds without transparency or a clear path to resolution is both stressful and financially damaging. 

I kindly request an immediate resolution to this matter. I look forward to your prompt response and the release of my funds.

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

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original XXXX : XXXX XXXX XXXX  ) - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-03 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: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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

Complaint narrative:
I am writing to report that I am a victim of a recent data breach that has led to identity theft, resulting in unauthorized accounts appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that the following accounts be blocked and deleted from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MOHELA
State: WA

Complaint narrative:
I am, currently in an active Chapter XXXX. However, MOHELA is showing that I have an upcoming payment due on XX/XX/year>. They are not abiding by the automatic stay and I am afraid they are going to charge me late fees and report me as late to the credit bureaus. Please assist. I've requested to be moved to another servicer, because I have had so many issues with their record keeping, particularly as it relates the XXXX XXXX. They need to be held legally accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
UPON REVIEWING CREDIT REPORT l NOTICED FRADULENT ON CREDIT PROFILE CAN YOU PLEASE REMOVE. THIS IS AFFECTING ME OBTAINING CREDIT AND ETC

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 2024-11-03 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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

Complaint narrative:
According to the FCRA and Consumer Protection Act and Privacy act and also IRS publication 4681 IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$750.00} } XXXX XXXX XXXX XXXXXXXX XXXX for the cancelled debt of { {$900.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$6500.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { XXXX {$600.00} } }. This is unsatisfactoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. TRANSUNION, XXXX, and XXXX, etc. is not an affiliate of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal Pursuant to 5 USC 552a, Pursuant to FCRA, pursuant to 15 USC 6802. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from making adverse reports on a consumer 's credit standing if the consumer disputes an amount or account. However, creditors can report that the account or amount is in dispute. It is illegal for a financial institution to report a consumer 's transaction history without their written consent. This is because Congress has mandated that financial institutions protect the privacy and confidentiality of their customers ' non-public information. For these accounts 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested for Transunion to XXXX XXXX Back onto my credit report. I accidentally included XXXX, XXXX XXXX, & XXXX XXXX in a previous dispute since I am a victim of XXXX XXXX  however, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX belongs to me. My XXXX  Advisor at My Program created the Dispute Letter For me however, she accidentally included those accounts however, those accounts belong to me. I forgot to look over the letter before I submitted it I already requested XXXX XXXX XXXX XXXX to reinsert those accounts onto my report. I am awaiting Transunion to approve the reinsertion since I AM CONFIRMING THAT THOSE ACCOUNTS BELONG TO ME. 

It is Transunion job to report my information accurately. 

All the other accounts are still fraudulent and I request that they stay permanently deleted.

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 2024-11-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that any accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The accounts and inquiries that need to be addressed are as follows : XXXX Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: Self Financial Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MoneyLion Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In XXXX of XXXX Santander has updated the outstanding balance for the damaged vehicle. There has been a payment arrangement on this car since XXXX of XXXX, with a total remaining balance to be paid whenever it can be paid, with monthly installation dates. The agreement was signed with Santander to keep the total outstanding balance current. 

That balance was only supposed to be for the remaining of the 72 months unpaid loan dollar value. The loan was signed in XXXX of XXXX. 

As of today, they have sent a debt of more thank $ XXXX. XXXX XXXX dollars for a car purchased in XXXX original sticker price {$12000.00} XXXX XXXX dollars. 

The collections were sent to XXXX, and have created countless emergencies as a result of the credit damage re : housing. 

Attached the current debt balance listed with XXXX.

Company response to consumer: Closed with non-monetary relief