vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S, C 1681 section 602 A. States i have a 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 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 persons know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of aggravated identity theft, On XX/XX/2022 I have submitted the supporting documentation that the credit Bureaus asked of me certified mail the account was then removed then Re-Inserted without properly notification. Since then I've been constantly disputing this account and going back and forth with the creditor as well and still remains after asking for and not receiving verifiable proof with my signature on it.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from XXXX, Equifax, or XXXX about this account, and my credit report does not say that this account is in dispute either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from XXXX, XXXX, or Experian about this account, and my credit report does not say that this account is in dispute either.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. Springoakcap is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. 
Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. 
Sprinoakcap charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by TransUnion, XXXX, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against TransUnion and XXXX. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Transunion has let this problem go on Since XX/XX/2023. I told them the day of the event, that a fraudulent inquiry made on my account from XXXX XXXX XXXX I called the bank which confirmed to remove it and they will notify the credit companies let the credit companies knowthen I followed up with the credit companies. Transunion has failed to correct the error, I also received the letter from XXXX stating that the inquiry was fraudulent and should be removed, I still have the XXXX letter as proof, I put in two investigations with Transunion and and the inquiry still has not been removed for over 90 days im well within legal limits to take action against Transunion due to negligence. XXXX has Co-operated, Transunion has not. You cant keep a fraudulent inquiry on my account when the bank agreed it was in error.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Child Support is reporting inaccurate and incomplete information on my Experian, XXXX, and XXXX XXXX reports. The information regarding the payment history is incomplete as well as beyond the statute of limitations to even be reported since the date of first delinquency has past beyond 7 years. The account has not been current since before XX/XX/2016, meaning that as of today the entire account should have been permanently deleted from each consumer report. The FCRA demands that after 7 years from the date of first delinquency, the account must fall off my consumer 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 2023-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I tried calling the companys but no answer. also emailed them as well. no reply. eventually I tried to dispute them with all credit breau 's but I dont know if they even Came off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has recieved on many occasions over the past 12 years to change my name and address to the correct information. I have sent copies of court orders, passport, drivers licenses, tax information and this problem seems to be impossible to resolve without me getting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by XXXX, Experian, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against XXXX and Experian. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.

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 2023-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Genesis FS Card Services are harassing me by repeatedly calling me every day and more than 7 times a day trying to collect a credit card debt. I have blocked them and from XXXX XXXX till XXXX XXXX I have screenshots of XXXX blocked calls from them. The phone number is XXXX. Now they have started calling me from phone number XXXX and emailing me. I cant take it anymore more, the account is closed, on my credit report as closed on XXXX XXXX. Please help me, I can provide screenshots of the call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Closed A XXXX account due to fraudulent activity In XX/XX/2023, but the account was never closed on that date and the company waited two or three additional months when it was over in debt to do it. Im not responsible for late payments on the account because it should have been closed before then because my information was stolen, this was a long going investigation that didnt help at all, no answers or anything. I want any negative remarks from the company removed because none of it can be verified, and there was neglect when I asked to close the account twice, XXXX agreed twice on two different occasions but the account stayed open for two whole extra months and hurt my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello CFPB, All my XXXX  were drained out of my Coinbase account. Some in XXXX XXXX and the rest in XX/XX/XXXX. 
I have been holding these for the long term and did not log on my account for over a year. 
I would like to obtain some help from your office regarding this case. 
Coinbase is not helping me so I contacted some attorneys but they do not want to take my case which is about {$35000.00} loss as they only take cases for loss greater than {$50000.00}. Also, small claims court only take cases below {$10000.00}. 
So, I am in a limbo as I can not get help from either side. 
I am hoping XXXX can apply some pressure on Coinbase to recover the lost Cryptos that I had entrusted to them for safe-keeping and was holding them for my retirement years, as I am already over 68 years of age. 
Coinbase asked me to check with my wireless provider to see if my phone was hacked. My wireless company ( XXXX XXXX  ) has no record of my cell phone being hacked. 
Is there any government agency that would help smaller investors like me from getting ripped off by shady operations like Coinbase? 
Thanks and regards, XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing to express my concern regarding the conduct of Aldous & Associates, a collection agency that has been handling an account in my name. Despite my repeated attempts to address the matter and dispute the accuracy of the account, Aldous & Associates has failed to comply with applicable laws and has disregarded my rights as a consumer, and has committed multiple violations of the ( FDCPA ) and ( FCRA ). 

Despite multiple disputes, I have received no written communication, ever, from Aldous and Associates regarding the debt prior to reporting to the CRAs, prior to the letter I received on XX/XX/XXXX, which is a clear violation of 15 U.S.C. 1692g ( a ) ( 1 ). 

I have disputed the accuracy of the account both verbally and in writing, prior to receiving the aforementioned letter. Aldous & Associates has consistently failed to address or acknowledge my dispute, which is a direct violation of 15 U.S.C. 1692g ( b ). This disregard for my rights as a consumer and the agency 's duty to investigate the disputed account is unacceptable. 

Noncompliance with Cease and Desist Request : On XX/XX/XXXX, I sent Aldous & Associates a formal letter stating my refusal to pay the debt and explicitly instructing the agency to cease all communications with me, as is my right under the FDCPA. However, the agency sent me a letter on XX/XX/XXXX attempting to collect the debt, completely disregarding my refusal to pay and my request to cease all communications. This clear violation of 15 U.S.C. 1692c ( c ) reflects a blatant disregard for the law and my rights as a consumer.

Company response to consumer: Closed with explanation