vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
XX/XX/year> A loan by XXXX OF XXXX XXXX that I did not authorize or consent to is on the Equifax, XXXX, and XXXX credit reports, the current reported amount is {$20000.00}. I contacted XXXXXXXX XXXX XXXX XXXX representative and they informed that they do not report to Credit bureaus. I did not consent to reporting A loan by XXXXXXXX XXXX XXXX XXXX the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> A loan by XXXXXXXX XXXX XXXX XXXXXXXX that I did not authorize or consent to is on the XXXX, XXXX, and EXPERIAN credit reports, the current reported amount is {$20000.00}. I contacted XXXXXXXX XXXX XXXXXXXX XXXX representative and they informed that they do not report to Credit bureaus. I did not consent to reporting A loan by XXXXXXXX XXXX XXXX XXXX the credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
SYNCHRONY BANK closed my account that I have been making STEADY, ON-TIME payments ( of around $ XXXX monthly ) on for over a year. I have not missed a single payment, and they closed my account abruptly. They already closed my account once after applying XXXX  of dollars in hidden protection fees to my balance, which I then opted out of, got refunded, which resulted in them reopening the account. My balance was over $ XXXX, and I have steadily paid it down to under $ XXXX, with absolutely no foreseeable reason why I could not continue to make these payments and get the entire balance paid off.

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 2025-01-07 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

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 2025-01-07 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-07 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent Equifax my XXXX, ID, and a current bill that proves I'm the person sending the documents. The last certified mail I sent was on XX/XX/year> ( tracking number : XXXX XXXX ), which was received on the XXXX of XXXX. However, every time I call, they say they didn't receive my information. Since then, when I try to log into my account, I receive an NH code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a debit from XXXX  XXXX for {$710.00}. I have disputed this on all 3 credit bureaus and asked that the company provide validation of the debt within 10 business days and if they can not they need to remove the debt. They have not provided me with any proof of the debt. Additionally, I request the assignment contract that was purchased from the creditor. I am entitled to all information that exposes my name and SSN and proof of my physical signature. I am not liable for fraudulent digital signatures that can be done online.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a debit from XXXX  XXXX for {$710.00}. I have disputed this on all 3 credit bureaus and asked that the company provide validation of the debt within 10 business days and if they can not they need to remove the debt. They have not provided me with any proof of the debt. Additionally, I request the assignment contract that was purchased from the creditor. I am entitled to all information that exposes my name and SSN and proof of my physical signature. I am not liable for fraudulent digital signatures that can be done online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a debit from XXXX XXXX for {$710.00}. I have disputed this on all 3 credit bureaus and asked that the company provide validation of the debt within 10 business days and if they can not they need to remove the debt. They have not provided me with any proof of the debt. Additionally, I request the assignment contract that was purchased from the creditor. I am entitled to all information that exposes my name and SSN and proof of my physical signature. I am not liable for fraudulent digital signatures that can be done online.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-07 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: PA

Complaint narrative:
ACCOUNTS HAVE INACCURATE ADDRESS & SOCIAL SECURITY NUMBER. 

REQUESTED INACCURATE INFO TO BE REMOVED OFF MY 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
according to FCRA section 605b it is illegal to report information without my permission Thank you please remove it from my credit report. incorrect reporting is fraud and I will sue if not validated and deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
according to FCRA section 605b it is illegal to report information without my permission Thank you please remove it from my credit report. incorrect reporting is fraud and I will sue if not validated and 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 2025-01-07 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: MD

Complaint narrative:
according to FCRA section 605b it is illegal to report information without my permission Thank you please remove it from my credit report. incorrect reporting is fraud and I will sue if not validated and 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 explanation
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
The cred

it reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedur
e

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
The filed false information to the Credit bureau from XX/XX/year> XXXX also I spoke with exqufax on XX/XX/year> and reported identity theft and ask to remove the item us code 1681 c -2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX Amount : {$4700.00} I received a call from this company and I told them I cant pay because I have a lot going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I opened disputes through XXXX to report unauthorized XXXX  transactions involving my Coinbase account.

I also changed my Coinbase login credentials to secure my account and made several attempts to report the unauthorized transactions to Coinbase.

The only relevant Coinbase help page I was able to access strongly implied that unauthorized transactions could only be reported through the Coinbase app ; the page only provided instructions for reporting unauthorized transactions via app.

Since Coinbase had apparently flagged me shortly after I had disputed transactions with XXXX, it would not let me log into the app or contact customer service for days ; all login attempts through the app were flagged and denied. 

Shortly after filing a XXXX  complaint on XX/XX/year>, I was able to log into the app. That's when I realized the instructions provided on the Coinbase help page for reporting unauthorized transactions were incorrect. The Coinbase app did not provide me with any means for reporting unauthorized transactions.

Since I was now allowed to contact customer service via chat, I explained the issue and an agent told me that I could report the unauthorized transactions without the app by going to Coinbase.com/charge ; this turned out to be a dead link, at least through my account.

The Coinbase email address for reporting unauthorized charges ; XXXX XXXX XXXX was also useless.

The important part is I notified Coinbase of unauthorized XXXX transactions on my account by sending emails to XXXX XXXX XXXX on XX/XX/year> with the list of disputed transactions. 

The 10 days for investigating the reported unauthorized transactions has long passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Opened Request for Removal Dear Sir/Madam, I am writing to formally dispute an account that has been reported on my credit report. I have discovered an account opened in my name without my knowledge or authorization. The details of the account in question are as follows : Account Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX Date Opened : unknown I did not authorize the opening of this account and believe it was opened fraudulently, possibly as a result of an identity theft incident or Equifax data breach. I am concerned that my personal information was compromised during an unauthorized event.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any fraudulent account that was opened without my permission or knowledge. As my personal information has been exposed, I request that you immediately investigate this matter and remove the disputed account from my credit report. I did not open these accounts. I have not knowledge of these accounts 15 USC 1681 b.

Please confirm in writing that this account will be removed as soon as possible and provide me with a copy of the results of your investigation, as required by law. If further documentation or identification is needed to support my dispute, please let me know.

I also request that you take immediate action to secure my credit and personal data to prevent further unauthorized activities.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this fraudulent account and the necessary updates to my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Opened Request for Removal Dear Sir/Madam, I am writing to formally dispute an account that has been reported on my credit report. I have discovered an account opened in my name without my knowledge or authorization. The details of the account in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX Date Opened : unknown I did not authorize the opening of this account and believe it was opened fraudulently, possibly as a result of an identity theft incident or XXXX data breach. I am concerned that my personal information was compromised during an unauthorized event.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any fraudulent account that was opened without my permission or knowledge. As my personal information has been exposed, I request that you immediately investigate this matter and remove the disputed account from my credit report. I did not open these accounts. I have not knowledge of these accounts 15 USC 1681 b.

Please confirm in writing that this account will be removed as soon as possible and provide me with a copy of the results of your investigation, as required by law. If further documentation or identification is needed to support my dispute, please let me know.

I also request that you take immediate action to secure my credit and personal data to prevent further unauthorized activities.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this fraudulent account and the necessary updates to my credit report. 

Sincerely, 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