vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-12-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. District Court for the XXXX XXXX of Georgia ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Account Name : XXXX XXXX XXXX  Balance : $ XXXX Opened : XXXX. XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXXlance : $ XXXX Opened : XXXX XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX : XXXX XXXX Opened : XX/XX/XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX : {$840.00} /Opened : XXXX XXXX XXXX XXXX  / Identity Theft It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported my wallet lost and stolen to chase bank in XX/XX/year>. When the new card was sent in the mail it was never activated. Chase locked me out of my account and had me call the XXXX number to unlock it. My password kept changing. I kept calling an notifying them. Numerous charges & checks were made using my account and I called numerous times throughout XXXX and XXXX to file claims and fraud charges on the account. Checks were written even though I dont own checks and chase did nothing for months about my account being compromised. I went into local branch several times and nothing was fixed. In XXXX chase closed BOTH of my accounts, wouldnt give me my money back and I lost out on XXXX  of dollars in charges that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
My XXXX XXXX XXXX neighbor done these damages to my apartment while I was at home in the room with my XXXX the property manager has videos of her doing the damage she even called the cops for me and I also did as well. I filed a police report and have all the proofs stating the same thing and pictures of the damages. I was told she would be held accountable but it had to be taken to court cause of the girl being XXXX she wasnt immediately arrested she and her mom had moved out so was looked for but never served papers during this process cause by the time the cops came to the scene that day they hurried and fled the scene. So now Im stuck left with this bill that is preventing me and my children from moving into another hud housing complex or any housing with hud at all cause of this past charges that are left tied to my name. All cause of the other party not being found to serve papers and brought to court to present these charges to. This is not fair and is causing my present situation XXXX. This occurred in XXXX or XXXX here it is XXXX and its still not handled which should not be my problem I was the victim in this entire situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to formally demand that you immediately remove the inaccurate and unauthorized credit reporting entry associated with my account. Transworld Systems I

nc. has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by failing to properly notify me of the debt before reporting it to credit bureaus. Under the FDCPA, specifically 15 U.S.C. 1692g ( a ), a debt collector is required to send a written notice within five days of their initial communication with the consumer, providing specific information about the debt. This includes the amount of the debt, the name of the creditor, and a statement that the consumer has the right to dispute the debt within 30 days. Transworld Systems Inc. has failed to provide me with this legally required notice before reporting this debt to the credit bureaus, which is a clear violation of my rights under the FDCPA.

Moreover, under the FCRA, specifically 15 U.S.C. 1681i, any information reported to credit bureaus must be accurate and substantiated. By failing to notify me of the debt prior to reporting it, Transworld Systems Inc. is reporting inaccurate and potentially misleading information that may harm my creditworthiness. The failure to verify and validate the debt before reporting it constitutes a violation of the FCRA.

This letter also serves as a formal 15-day notice of my intent to take legal action if these issues are not resolved. If Transworld Systems Inc. fails to remove the incorrect reporting from my credit report within the next 15 days, I will initiate a lawsuit under the FCRA ( 15 U.S.C. 1681n and 1681o ) and FDCPA ( 15 U.S.C. 1692k ). I will seek statutory damages, actual damages, and legal fees incurred due to your noncompliance with the law.

Additionally, I will file a formal complaint with the Office of the Attorney General for the state of [ State ], as well as with the Consumer Financial Protection Bureau ( CFPB ). Transworld Systems Inc. 's failure to comply with the FDCPA and FCRA has violated both federal and state consumer protection regulations, and I will pursue all legal avenues to ensure that your company is held accountable.

Please treat this matter with the urgency it requires and take immediate action to remove the erroneous reporting from my credit file. Failure to comply will result in legal consequences, including the filing of the lawsuit and complaints to the Attorney General and other relevant authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$1900.00} XXXX XXXXXXXX BALANCED {$440.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX BALANCED {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$160.00} XXXX XXXX   ( Original Creditor : XXXXXXXX XXXX XXXX XXXX BALANCED {$930.00}

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 2024-12-22 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened at XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-12-22 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened at XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # ( XXXX ) 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 2024-12-22 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 WAS THE VICTIM OF IDENTITY THEFT. I HAVE FILED A POLICE REPORT AND SENT EACH CREDITOR ON MY CREDIT REPORT A REQUEST FOR PROOF OF OWNERSHIP. I DIDN'T OPEN THESE ACCOUNTS THIS IS PREDATORY. 

BELOW ARE THE ACCOUNTS THAT ARE FRAUD XXXX XXXX XXXX  ACCT # XXXX AMOUNT {$750.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMOUNT {$300.00} XXXX XXXX XXXX ACCOUNT : XXXX AMOUNT {$560.00} XXXXXXXX XXXX ACCOUNT : XXXX AMOUNT {$480.00} XXXX XXXX  ACCOUNT XXXX AMOUNT {$23000.00} I HAVE ATTACHED A COPY OF MY POLICE 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 non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase asked for XXXX information last XXXX. I responded with all information that they asked for. Shortly thereafter, my account was locked pending further review. I have not ad access to my account since. I have chatted with three support members who all have said that they will send an email explaining what I need to do and what further information they need. I have never recieved an email. Case # XXXX This seems to be an ongoing problem with Coinbase with many, many people. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Madison Atrina LLC
State: CO

Complaint narrative:
Despite everything going smoothly with the loan process, 18 hours prior to our close on a Friday morning, things went south. We were suddenly told by our Title company that they still did not have the Clear to Close from the lender, and then District Lending disappeared. I called our Regional Sales Manager, I called the main District Lending office ( where I could only get some answering service who assured me someone would call me back soon ), I called the Founder/CEO ( whom I had talked to before ). I probably made 15-20 phone calls to try and talk to someone. Never happened. The entirety of Thursday afternoon passed, and we did not hear from ANYONE. All the while our closing fell apart and we had no clue as to why, nor what could be done about it. Simply unbelievable.

And, after everything settled down, we never received any type of follow-up. Not a phone call, not an explanation, not an apology, not a How Did We Do? customer survey ( that everyone seems to ask for these days ), nothing. To this day a few weeks later, I still do not know what happened and I have not talked to anyone since that fateful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
{$7000.00} was transferred from my savings account to my checking account on XX/XX/year>. {$14000.00} were charged using my debit card on XX/XX/XXXX and XXXX, XXXX. The bank, Wells Fargo refuses to accept this as fraudulent. They denied my appeal twice. My banking records show I have never dealt with these companies.

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 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ND

Complaint narrative:
I am on the SAVE repayment plan with MOHELA for my federal student loans. On XX/XX/year>, I received a letter from MOHELA informing me that my loans were placed in a forbearance due to a judicial stay from a federal lawsuit. The letter stated that the interest would not accrue during the forbearance. However, my loans have continued to accrue interest. On XX/XX/scrub>XXXX I received another letter from MOHELA informing me that interest has been accruing and will continue to accrue while placed on this forbearance. Although the letter states that my interest rate is 0 %, interest has continue to accrue on my loans. I currently have interest on my loans because of this. Additionally, I have made payments since the forbearance started so I have already paid some interest because those payments were put toward the interest that erroneously accrued. MOHELA has not resolved this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-12-22 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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