vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: MI

Complaint narrative:
Complaint Details 1. Misleading Debt Validation Notice : On XX/XX/XXXX, I received a debt validation notice from XXXX XXXX XXXX regarding an alleged debt from XXXX XXXXXXXX XXXX XXXX, with account number XXXX. 
The notice contained inaccurate and misleading information, including : Inconsistent Dates : The notice states the account was purchased by United Holding Group but provides a date of first delinquency of XX/XX/XXXX. This timeline is confusing and suggests the debt may be invalid or beyond the statute of limitations. 
Lack of Clarity : The notice does not clearly explain the relationship between XXXX XXXX XXXX and United Holding Group, creating confusion about who owns the debt and who I should contact. 
2. Refusal to Communicate and Unreasonable Demands : I contacted XXXX XXXX XXXX by phone to inquire about the debt and the discrepancies in the notice. 
The representative refused to discuss the debt with me unless I provided my full address, date of birth, and full name, even though I was willing to confirm basic identifying information. 
When I refused to provide this excessive personal information, the representative abruptly terminated the call. 
3. Potential FDCPA Violations : I believe XXXX XXXX XXXX 's actions violate the Fair Debt Collection Practices Act ( FDCPA ) by : Misrepresenting information : They may have misrepresented the requirements for debt validation by insisting on excessive personal information before discussing the debt. 
Refusing to communicate : They refused to communicate with me about the debt simply because I wouldn't provide unnecessary personal details. 
Using deceptive and unfair practices : Their actions appear designed to intimidate and pressure me into providing information I am not obligated to share. 
Desired Resolution I request that the CFPB investigate XXXX XXXX XXXX 's practices and take appropriate action to ensure they comply with the FDCPA. 
I also request that XXXX XXXX XXXX provide me with clear and accurate information about the alleged debt, including validation of the debt as required by law. 
Supporting Documentation I have attached a copy of the debt validation notice and my notes from the phone call with XXXX XXXX XXXX. 
Additional Information I have an active complaint with the CFPB against United Holding Group related to this debt.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked the credit agency Transunion, XXXX, and XXXX to remove bankruptcy onff my credit. They have not provided proof that this is me. 
I asked to erase names and addresses that are not mine.

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 2025-01-09 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: IL

Complaint narrative:
My Credit Score was XXXX with Experian for a long time. 
I applied for there " Boost '' program and was dissatisfied with it. 
I cancelled the " Boost '' program and Experian reduced my Credit Score by XXXX Points. 
ZERO changes on my Credit Reports. Zero Debt, Zero new accounts ect. 
I appealed and Experian reinstated my XXXX score, XXXX points. 
This only lasted XXXXXXXX XXXX and again, reduced minus XXXX points. 
We have done this Three Times!

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 2025-01-09 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: TOWNEBANK
State: NC

Complaint narrative:
Unauthorized pulling of my credit putting multiple inquiries on my credit XX/XX/XXXX through XX/XX/XXXX 31

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 2025-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Unauthorized pulling of my credit putting multiple inquiries on my credit XX/XX/XXXX through XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, unauthorized transactions occurred in my Coinbase account involving the transfer of XXXX XXXX and XXXX XXXX  without my consent. As a Coinbase XXXX  member, my membership explicitly includes insurance coverage for unauthorized account activity, yet I have not received clarity or resolution on this matter. 

I immediately reported the issue to Coinbase support and filed a police report, which I submitted on XX/XX/XXXX. Coinbase assured me that their investigation would be completed within XXXX business days, but I have yet to receive any meaningful updates or resolution. Despite following all instructions provided by Coinbaseresetting my password, enabling additional security measures, and reporting suspicious activitymy account remains locked, and the investigation appears to be delayed without explanation. 

I also received a fraudulent phone call from someone impersonating Coinbase support, which I promptly reported to the company. Despite this, I have not seen adequate communication or action to recover my stolen funds or secure my account. 

This delay has caused significant financial and emotional distress. As a Coinbase XXXX  member, I expect the promised insurance benefits and priority support to be applied to resolve this matter swiftly. I am seeking immediate recovery of my funds and assurance that my account is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
To Whom It May Concern, I am submitting this complaint to request your assistance in investigating and resolving an issue with my credit reports maintained by Experian, XXXX, and XXXX. Specifically, there are old and negative items that should no longer appear on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, I believe the credit reporting agencies are in willful or negligent noncompliance with their obligations under the FCRA. These violations have resulted in continued harm to my credit score and financial well-being. 

The specific issues include : Inaccurate or outdated information : Negative items that have exceeded the statutory limit of 7 years ( or 10 years in the case of bankruptcies ) are still being reported. 
Failure to verify disputed accounts : Despite my prior disputes, the credit bureaus have failed to provide adequate documentation to verify the accuracy of these negative items, as required under 15 U.S.C. 1681i. 
Negative impact on my creditworthiness : These inaccuracies have caused harm by impacting my ability to access credit and financial services at fair rates. 
To resolve this matter, I request the following : The immediate removal of all outdated and unverifiable negative items from my credit reports. 
Confirmation from each bureau that these items have been deleted or corrected. 
I have attached supporting documentation, including copies of my credit reports highlighting the outdated and negative items, previous dispute letters, and any related correspondence. 

I kindly request the CFPB to assist me in holding Experian, XXXX, and XXXX accountable for their compliance under the FCRA. I trust that your involvement will result in a thorough investigation and prompt resolution of this matter. 

Thank you for your time and attention to this issue. I look forward to your response and resolution. 

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 2025-01-09 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, l noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID. The FTC complaint, a copy of the NPD report showing my information being exposed in a national database and a Validation of debt Letter.

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 2025-01-09 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, l noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID. The FTC complaint, a copy of the NPD report showing my information being exposed in a national database and a Validation of debt Letter.

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 2025-01-09 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In accordance with this fair credit report act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2. It also states that consumer reporting agency can not furnace an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I have a collection from cedar service business I dont know who they are or how they received my social number I believe this is from a data breach from XXXX and demand for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-09 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:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : Account Name : XXXXXXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
I have notified Experian that they are reporting inaccurate information, I requested that they correct the inaccurate information and they still continue to report inaccurate information and information that is not correct

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 2025-01-09 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: OH

Complaint narrative:
XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00}

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 explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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