vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one restricted my account on my credit card. When i called in to find out why they stated they had to verify my bank account that i was making my payments out of. I was forced to send and upload photos of my id, give my full ssn and date of birth. they then stated that they needed to call my bank to get verification that i am the account holder. I was forced to give my personal account number over the phone with capital one listening in. My bank asked if i felt safe doing this and i stated no i don't, My bank asked if they could call me on another line to verify my personal info and capital one told them no i can't do that. Capital one then stated that if they can not verify me as the account hold my account will remain restricted and I would not be able to make any payments on the account or use my account until they confirmed I was the bank account holder. I felt completely violated. This was an over step on capital one. I was forced into doing this otherwise my account would laps and cause issues with my credit the same account is also linked to my car and would have my car getting reposed because i would be unable to make payments on that account. When I asked why they are doing this now after i have used the same account for years to make payments i was told it for my safety. At no point do i feel safe. In face I feel violated by Capital One and what they did. I am now going to my bank to close all my accounts and reopen new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management , INC. has misrepresented the facts to a court of law in the State of Indiana, attempting to collect a debt that is not owed to them through fraud, misrepresentation, and deception. Midland Credit Management , INC. filed a complaint on XXXX XXXX, XXXX  in XXXX XXXX XXXX XXXX Case No : XXXX and are having the court to garnish my wages unlawfully. This is an urgent matter that requires and injunction filed with XXXX XXXX XXXX, further investigation, and an appropriate remedy. 
This is the second time Midland Credit Management has filed a complaint, misrepresenting the facts to a court of law in the State of Indiana, attempting to collect a debit that is not owed to them through fraud, misrepresentation, and deception. The first complaint Midland Credit Management , INC. filed against me was on XX/XX/XXXX in XXXX XXXX XXXX XXXX. The judge dismissed the case because XXXX XXXX could show no evidence to demonstrate the cause of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

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 explanation
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I purchased a new XXXX years ago, and the app I used for XXXX ( XXXX  XXXX  ) was disconnected because it was a new device. Ever since, I have been unable to log in to my account and access my funds. This specific account is shared between myself ( XXXX XXXX XXXX, my mother XXXX XXXX XXXX XXXX XXXX, and my minor sister who's name doesn't appear on the account. None of us have successfully logged into the account since I got the new XXXX. We've been customers since 2017. 

Now I am prompted to upload ID for verification, which we have done over and over again. I emailed support and requested a manual review, hoping an employee at Coinbase would be able to get us to the next steps. We received a txt and email last night saying ID was verified and I should be able to sign in and update XXXX to avoid trouble signing in for the future. Instead, it prompts me to upload ID yet again. 

I've consulted forums and threads from users experiencing the same issue, and only today did I come across a user who consulted CFPB and got assistance. I am hoping this will resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 non-monetary relief
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX -- -- -- -- -- -ACCOUNT # XXXX  -- -- -- -- -- -- -- -- -- -- -- - {$75000.00} XXXX XXXX XXXX  -- -- -- -- -- -ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- -- -- - {$56000.00} XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- - {$150000.00} XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- {$67000.00} XXXX XXXX XXXX  -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- {$43000.00} XXXX  XXXX XXXX  XXXX XXXX -- -- -- -- -- -- -- -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX -- ACCOUNT # XXXX -- -- -- -- -- -- - {$25000.00} XXXX XXXX  -- -- -- -- -- -- -- -- -- -ACCOUNT # XXXX -- -- -- {$19000.00} All accounts listed above not mines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Based on contacting XXXX ten times, I believe this company has been hijacked. This is not a joke. 
Information about 4-5 accounts is incorrect, should have been deleted or adjustments haven't been made since XX/XX/2023. 
My last encounter began with giving all of my personal identifying information including my SS number to the automated system, a female voice answers and requests my email address, I give the email address and no one is on the line. I ask is someone there 3-4 times, hold on for one minute then the line is disconnected. 
That is all the information needed to steal someone's identity. 
I called back, this time spoke with a customer service representative and before she could say anything I requested a XXXX, manager on duty. She said hold on, I asked her where was she located, she said XXXX XXXX, with a XXXX  accent. I was put on hold for 20 minutes, then I hung up. 
Before the last two calls, I called to complain about my report. There was a collection agency that I worked out a closure. The account is no longer on XXXX or XXXX, but it remains on XXXX. The conversation with the unprofessional representative got heated as his personality got involved with my complaints. This call was outsourced to the XXXX. 
The rudeness along with all of my identifying information makes me very vulnerable. I need help. Please find out what is going on with XXXX. I would like my information and account cleared out of their platform. 
Can your agency help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of an account incorrectly listed on my credit report. The details of the account are as follows : Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX TX XXXX Phone XXXX XXXX XXXX Account Type Installment Secured Loan Date Opened XXXX XX/XX/XXXX Date Closed XXXX XX/XX/XXXX This account does not belong to me but rather to my ex-partner XXXX XXXX. The debt associated with this account was sold to XXXX XXXX XXXX which subsequently initiated legal action. We prevailed in court as the court 's decision mandated that the debt be removed and deleted from credit reports. Despite this decision the account remains inaccurately listed on my TransUnion credit report. The continued presence of this account is unacceptable and must be addressed immediately. If this matter is not resolved promptly I will have no choice but to escalate the issue by filing complaints with the Consumer Financial Protection Bureau and pursuing further action through my attorneys office. Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the account 's removal without further delay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries that have appeared on my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be promptly removed. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX. 
o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$230.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5700.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX  XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ( Inquiry Date : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

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 non-monetary relief
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report promptly. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within 15 days. I have included the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
As part of a settlement agreement, which Citibank claims it has honored, balance on accounts including Bestbuy are to be waived in full. I have not been able to obtain a hard copy of credit report, unable to confirm trade line waiver on credit file, however, my online Bestbuy account still shows a balance due with past due payment. Further, my attorney has not received settlement payment, due by XXXX XXXX.It appears Citibank has not fully honored settlement agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: SC

Complaint narrative:
I have a private student loan serviced by Mohela. The loan originated in XXXX for the amount of {$15.00}, XXXX. I have been making payments as they have instructed/set up since that time. I had a co signer on the account who recently passed away. I have tried several times to discuss paying off this loan for a lesser amount than what is owed ( {$22000.00} ). I have calculated the amount of interest I have paid on this loan since it originated and have paid {$28.00}, XXXX in interest alone ( this does NOT include my principal payments ). The current interest rate of this loan is 17.75 % making it an impossibility to pay off for a reasonable amount. I have offered to even pay back the original loan amount of {$15000.00} ( giving a profit of over {$28000.00} on this loan ) and Mohela refuses to offer any negotiation. I understand that I took out a loan and was responsible for repayment but I have more than repaid the loan along with an absorbent amount of interest. This would not happen with any other loan or company.

Company response to consumer: Closed with explanation