vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$5700.00} XXXX XXXX XXXX  BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$3000.00} XXXX  XXXX BALANCED {$910.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$5300.00} XXXX XXXX XXXXXXXX BALANCED {$110.00} XXXX  XXXX XXXX BALANCED {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-28 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: VA

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 XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2024-11-28 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries 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 ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XXXX XXXX XXXX  I attempted to rent a car by using the search engine XXXX. I selected the SUV option with XXXX I was then redirected to their website to rent the vehicle. I selected a vehicle and read over the terms and conditions on their website. I received three emails from XXXX XXXX attached ), none of which list the terms and conditions of the rental agency ( XXXX  ). While waiting to be attended at the XXXX XXXX  agency in XXXX, I noticed signs posted that if the vehicles were driven out of state, a $ XXXX day fee would be charged. As my plans included out of state travel, I called Chase to discuss whether or not I would be able to dispute the charge and cancel my reservation. I spoke with a representative at Chase who assured me that I would be able to dispute the charges as these out of state driving fees were not disclosed prior to payment. She told me that because the charge was still pending on my credit card statement, that she could not help me with the dispute, but that as soon as the charge posted, that I could dispute the charge. 

Once I was able to speak with a customer service representative at XXXX XXXX  agency, I was told that I would, in fact, not be able to rent the vehicle at all as I did not have round trip airfare for the duration of the rental period. I had rented another vehicle for a portion of my trip and due to XXXX XXXX, my travel plans changed. The customer service representative told me that she was not able to cancel the booking and refund my payment as I had rented the vehicle through XXXX. She gave me a phone number to call and a booking number to reference when canceling the booking. I called the number and spoke with XXXX. He told me that the booking is non refundable. I am disappointed that the terms and conditions of XXXXXXXX XXXX XXXX  agency ( ie : out of state fees of XXXX XXXX day, the need for round trip airfare for the duration of the rental period ) was not listed on the XXXX website, nor were these terms listed in any of the three emails that I received from XXXX 
I have filed two separate disputes with Chase for the charge of {$430.00} from economybookings.com to my credit card account on XX/XX/year>. The charge is in error because I wasnt able to rent the vehicle due to terms and conditions of the rental agency ( XXXX ). I feel that this is in direct violation of the fair credit billing act. I paid for a service ( the car rental ) and did not receive the service. I have called Chase several times and have been told that I would receive a call back within 24-48 hours. I have never received a call back and have called again to have the same message repeated, that I would receive a call back. I have received two letters from Chase, one for each of the disputes, each stating that no credit would be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: MS

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXXc Attorneys General Office. XXXX XXXX XXXX XXXX XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX Credit and Insurance. XXXX Federal Trade Commission. XXXX State Regulatory Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: MS

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXXXXXX XXXX XXXX XXXX XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX Credit and Insurance. XXXX Federal Trade Commission. XXXX State Regulatory Agency.

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 2024-11-28 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: IL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-11-28 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: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX ConServe XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Re XXXX Creditor : XXXX XXXXXXXX XXXX  Consumer Reference Number : XXXX Account Reference Number : XXXX Subject : Formal Dispute of Debt Dear Sir/Madam, I am writing to formally dispute the debt referenced above, which you claim I owe to XXXX XXXX XXXX. I appreciate the documentation provided; however, I have found discrepancies and require further clarification before I can accept any liability for this alleged debt. 

Reasons for Dispute : XXXX. Validation Notice : You state that an initial validation notice was sent to my address on XX/XX/XXXX, yet I did not receive this notice. Please provide proof of delivery for this communication. 


XXXX. Account Details : The documentation provided does not fully establish that I owe the amount in question. Specifically : The ledger card lacks clear explanations of charges and payments. 

The Performance Fact Sheet and Enrollment Agreement do not adequately link to the alleged balance owed. 



XXXX Credit Reporting Accuracy : I dispute that this account is accurately reported on my credit report. If the account is not verified with 100 % accuracy, it must be removed per the Fair Credit Reporting Act ( FCRA ). 



XXXX. Potential Violations of Federal Law : Your response did not address whether this debt is time-barred or falls under statute of limitations restrictions. Please clarify if this debt is still legally enforceable. 



My Request : Provide a complete and detailed accounting of how the alleged balance was calculated. 

Supply proof of the original signed contract or agreement demonstrating my obligation to pay this specific amount. 

Confirm whether this debt is within the statute of limitations for legal collection in my state. 

Cease all collection efforts, including credit reporting, until this matter is fully resolved. 


I reserve the right to escalate this matter to the CFPB and seek legal counsel if necessary. I request all correspondence be conducted in writing moving forward. 

Thank you for your immediate attention to this matter. I look forward to your response within 30 days as required under federal law. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have spent hours and hours trying to access my Coinbase.com account. The issue is a result of privacy and identity verification. I have followed all of the steps dozens and dozens of times. I have checked data parity between my id and information I have provided them. I spent over 10 hours on support with them and they were not able to get me access to my account even though I followed up their instructions exactly. They told me they escalated the issue and that someone would follow up through email but they never did. At this point it feels like they are intentionally making it difficult for users to access their account. There are hundreds of other instances like this Ive found online. I just want access to my account and digital currency. Every XXXX XXXX with Coinbase makes you wait for a minimum of 8-10 hours. Its insane.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-28 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-28 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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.

It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : XXXX XXXX XXXX XXXX  ACCT XXXX ) ADDRESS : XXXX XXXX XXXX XXXX FL XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. INQUIRIES : XXXX via XXXX XXXX XXXX XXXX XXXX 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2024-11-28 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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. 
It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : 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 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. 
It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : XXXXXXXX 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 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2024-11-28 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: EQUIFAX, INC.
State: CA

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.

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 explanation