vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I had just gotten accepted into college, I was looking for a new WiFi provider because my current one was giving me a lot of problems. The WiFi would constantly jump on and off and the bill was increasing every month. So I called ATT XXXX. I can not remember the agent 's name, but I know it was a guy. I asked him about the WiFi service. I asked about the pricing, the internet connection reliability, bandwidth, and broadband. He answered my questions then he goes on to tell me about the different kinds of package deals that had. I told him I wasn't interested in that. He was very persistent with it. He didn't speak anymore about what I had called for, he was talking about how he can get me a discount and how he can get me more channels for a lower price. I told him never mind about the WiFi service because I'm not interested in the other stuff I only wanted WiFi and I proceeded to tell him that's ok I'll just stay with the provider I have. I then hung up the phone. I would say probably 4 days later I get ATTXXXX equipment delivered to my house. I took the equipment and put it in my closet. Never installed the equipment. I had then started receiving Bill 's from them every month. So I would constantly call them questioning them about a bill when I never installed the equipment. Bill 's were still coming until I contacted the dispute department and I talked to a lady about my situation. She pulled up my name and she told me she see where the equipment was never installed and she said to give her 7 days because I believe she was going to turn this over to someone else. I have never heard from that woman again. That is still on my credit report and I want it gone.

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 2024-06-30 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: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report related to five alleged debts that Equifax claims are valid. Despite my good faith efforts to resolve this matter, Equifax continues to report these accounts, which I have identified as being due to identity theft. An FTC report is attached to this complaint. Equifax is expected to adhere to the contents of this report and take appropriate actions accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised, or I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had an account with American Express, and in the month of XX/XX/2023 they reported an inaccurate late payment on my credit report. In XXXX of this year, I recieved a message that I missed a payment and I disputed it and my account was closed by American Express in XXXX and reported to the credit reporting agencies as closed, however, they continue to report my account 30, 60, 90 days late inaccurately as a closed account can not have an open balance. The late payments being piled on to my credit profile is unlawful and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone used my bank account information to make a purchase of {$1700.00} from XXXX through affirm on XX/XX/XXXX. I have contacted XXXX and they told me to contact XXXX. XXXX doesnt want XXXX issue a refund even though I have told them many time the transaction was unauthorized. Here are the charges that have been taken out by XXXX from my account {$650.00} XX/XX/XXXX, thats when I replaced my Bank of America debit card.Then {$160.00} XX/XX/XXXX, {$160.00} XX/XX/XXXX, {$200.00} XX/XX/XXXX, and {$20000.00} on XX/XX/XXXX. I want for either Bank of America or XXXX to refund these fradulent transactions. I am having such a hard time because this is supposed to be for my expenses. I am struggling. I had to open a new bank account and a get another debit card due to this.

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 monetary relief
Consumer complaint received 2024-06-30 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: NJ

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be 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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
I have received two CashApp debit cards with what seems to be two different CashApp IDs. They were both opened without my knowledge and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

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 2024-06-30 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: IN

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
They keep harassing me over payments I cant make and the interest rates I didnt agree to they make up whatever amounts they want then expect me to find the money and pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I want this account permanently removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/year>, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, Equifax deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I logged into my Equifax 's online account and requested an updated credit report since the dispute investigation. My credit report dated XX/XX/year>, omitted the car note account referenced above under installment accounts. See attached. Equifax failed to update the account balance and deleted the entire account instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to request the removal of inaccurate addresses listed on my credit report. As a XXXX individual, I have noticed that my credit file contains several old addresses that are no longer relevant. 

My current and accurate address is : XXXX XXXX XXXX. 
XXXX XXXX, SC 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 2024-06-30 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: SC

Complaint narrative:
I am writing to request the removal of inaccurate addresses listed on my credit report. As a XXXX individual, I have noticed that my credit file contains several old addresses that are no longer relevant. 

My current and accurate address is : XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: IN

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

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 2024-06-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ XXXX/Experian/XXXX  XXXX requesting a reinvestigation of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], I received a response from [ XXXX/Experian/XXXX  ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX  XXXX XXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), Experian is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # 39 ; s file. 
A

dditionally, under 15 USC 1681e ( b ), Experian must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual
knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
Experian has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
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
Consumer complaint received 2024-06-30 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that XXXX XXXX XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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 2024-06-30 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXk, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that XXXX XXXX XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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 2024-06-30 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: SC

Complaint narrative:
I am writing to request the removal of inaccurate addresses listed on my credit report. As a XXXX individual, I have noticed that my credit file contains several old addresses that are no longer relevant. 

My current and accurate address is : XXXX XXXX XXXX. 
XXXX XXXX, SC 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 2024-06-30 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear Equifax, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Equifax, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that Equifax delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Opened account on XX/XX/24 and purchased XXXX dollars of shares. Less than one hour later over XXXX XXXX of my accounts of my shares were transferred fraudulently to an unknown account.I contacted COINBASE customer service requesting immediate assistance. Was on chat with them for 4 hours. They gave me XXXX resolution as my share prices dropped. They froze my account and would not allow me access to it in order to close it myself. Then an additional XXXX was charge to my bank account. They will not close my account as requested. They forced me to change my password 4 times just to take my complaint. I was told the issue was escalated and that I would be contacted within 24 hours with resolution and status of funds stolen. I contacted them again today and requested that they close my account and issue a refund of the XXXX. I was told that it could not be done until I was contacted by the department it was escalated to. Thes allowed my personal data to be breached and funds to be stolen from me and refuse to close the account. They have removed my access to the Account so that I can sell my shares and close th account personally. In the meantime my share values continue to fluctuate and lose value. This can only be done if I have access to the Account which they refuse do do unless I send a selfie in addition to picture of my DL front and back which I have done over 4 times already..

Company response to consumer: Closed with explanation