vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
this company they was checking my credit without my consent JPMCB CARD XX/XX/year> Bank Credit Cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I have failed several complaints stating that someone fraudulently open up accounts that I did not consent to. XXXX XXXX and XXXXXXXX XXXX.These fraduents accounts has been removed from XXXX reports almost a year ago. They have failed to delete these fradulent accounts from my XXXX report as well as my Transunion report. These items do not belong to me, these inaccurate reporting is hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXXXXXX XXXX. On XXXX I requested a debt validation letter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have neglected to respond to my request, violating my rights under the law. 

I respectfully request your assistance in ensuring that XXXX XXXX provides the requested documentation or ceases their collection efforts. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX account was hacked into and scammer took out a loan for XXXX dollars. They changed my password and home address then transfered the money into my XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 

I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.

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 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I believe the account is invalid. SUNRISE CREDIT SERVICES , INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 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 2024-09-26 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC has unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$750.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. LVNV Funding LLC has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against LVNV Funding LLC XXXX I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
a company called XXXX XXXX XXXX XXXX XXXX XXXX to Experian and XXXX for unpaid bills ( {$3900.00} ), this amount now increased to {$4500.00}. I sent in a detailed letter with all my supporting evidence to these XXXX bureaus only to be told that XXXX said that the account is valid. I asked for proof and explanation from this company only to be told by Experian and XXXX that they only asked the company for a response. these XXXX bureaus said they accepted what they are being told by this company. So Experian and XXXX did no investigation, asked for evidence, proof and documents to back this company account validation claim. I was told by Experian and XXXX that they abide with the company response. 
I made several disputes with Experian and XXXX between XXXX, XXXX  and 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2024-09-27 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: KY

Complaint narrative:
Over the past two years, my credit rating has dropped XXXX points due to a poor rating from XXXX XXXX XXXX, now XXXX. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to XXXX, TransUnion and XXXX as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the XXXX credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, TransUnion and XXXX. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX are not taking responsibility for the incorrect information that dropped my credit rating.

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 2024-09-27 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: KY

Complaint narrative:
Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now XXXX. In XXXX, during the Covid-19 pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to XXXX, XXXX and Equifax as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the XXXX credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, XXXX and Equifax. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX are not taking responsibility for the incorrect information that dropped my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: KY

Complaint narrative:
Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now XXXX. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to Experian, XXXX and XXXX as XXXX : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the 3 credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with Experian, XXXX and XXXX. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX XXXX not taking responsibility for the incorrect information that dropped my credit rating.

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 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally request validation of the debt associated with account number that you allege I owe. Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt.

Please provide me with the following information : 1. The total amount of the debt.

2. The name of the original creditor.

3. A detailed statement explaining how this debt was incurred and calculated.

4. Any documentation that proves I am legally responsible for this debt.

While I await your response, I request that you cease all collection activities regarding this debt until the requested information is provided. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies Equifax and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. '' There are several adverse items within the reports furnished by Equifax and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hi, my name is XXXX XXXX and my story is I purchased some assets from Coinbase around XX/XX/XXXX and XXXX. Their system was glitchy. They had me write down multiple passwords. Then their AI bought customer service that advised me to delete my account And requested that I give them my password and which I told him that I was given 12 different passwords and then they told me that I needed the 12 word security seed phrase in order to get and restore my account and then my assets right there the block chain somewhere and then I could not get them. 

For the next two weeks with useless customer service and trying to access and recover my accounts and funds myself. I discovered that my funds were accessible and they were on a third-party joint block chain app I started my own theory and domain name to transfer my assets that I bought from Coinbase over to my account, but apparently Coinbase has custodianship over my assets.

When I said, I found my assets and I wanted them in my account. They then told me that I needed permission to get my own assets that they told me number one could only be retrieved with 12 word password which I found without, that they couldnt do anything, that they were lost forever, that I could never find that there was no way to retrieve those accounts or funds and then when I find them, they tell me that I need permission and that I have to wait for my funds is the long story short of the story.

On top of that, the severe emotional distress and acute stress has been unbearable. I haven't been sleeping. I have been eating. My mental health is declining, and this is all because I decided to go with the company that every day since I went with them, I regret every single waking hour mid second that I spent, only trusting them acquiring my XXXX they said I could not get and then later tell me I need permission to get them and that they're in their custody. 

They even have an asset recovery page on their website and then whenever I put that the exact precise details of my account, the transaction ID or cash number it doesnt go through. 

Here I am XX/XX/XXXX. I submitted my over {$12000.00} to them and I have no access to it and they completely lied to me and now theyre keeping my accounts from me telling me I need permission and that I need to wait. They told me I could never get that. This is whole situation is not right, is clear unfair and deceptive practices going on, and am seeking criminal justice for court bases unethical and immoral business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief