vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
Discovering that I've been a victim of identity theft has been incredibly stressful. Someone used my personal information, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I had no idea about and never had any involvement with. Realizing how serious this was, I acted right away. I contacted Experian, and they told me to file a report with the Federal Trade Commission ( FTC ), which I did immediately. I forwarded the report, hoping it would help get these false items removed quickly. However, despite all my efforts, the fraudulent entries are still there, and its been frustrating and concerning to think about the lasting impact this could have on my credit and financial stability.

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 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, an XXXX of the company was presented in person with Copy of Death Certificate of vehicle owner, a copy of her Last Will and Testament, and original Affidavit for Collection of Personal Property, pursuant to A.R.S. Section 14-3971 ( b ), signed by beneficiary entitled to collect personal property of deceased, and notarized. When the company did not issue the new check requested to be issued to the beneficiary, numerous phone calls were made to the company, and then in XXXX XXXX, a certified letter was mailed to the company 's Estate Processing Department together with copies of the foregoing documents and completed and notarized Letter of Instruction and copy of the applicable statute under Arizona Law. The company has continued to ignore the valid request of the beneficiary to make payment to the beneficiary of the amount the bank was holding as a vehicle collateral sale refund.

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 2024-11-13 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: CA

Complaint narrative:
This is to confirm that there will be no third-party involvement in my disputes. All actions and responsibilities will be managed solely by our internal team to ensure the integrity and confidentiality of the work.

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 2024-11-13 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: Paypal Holdings, Inc

Complaint narrative:
Money is {$91.00} sent to me on XXXX XXXX. Action taken was I sent in my ID for verification and they rejected it for what reason I do not know and place my account under a restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX XXXX and TransUnion. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report.

Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausExperian, XXXX, and XXXX. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report.

Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.

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 2024-11-13 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: NY

Complaint narrative:
Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : Account Name : XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$2600.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$1300.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$590.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : Account Name : XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$2600.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$1300.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$590.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Possible Financial Inc
State: CA

Complaint narrative:
When this account first appeared on my credit report I reached out to try to get more information. All I was told is that the only way to get more information is to pay. I informed them that I would not pay because this account t was not opened by me nor authorized to be opened on my behalf. They refused to help or give me any information unless I pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter dated XX/XX/year>, notifying me that my account had been permanently closed. The letter alleges that I " misrepresented the details on one or more of [ my ] disputes. '' However, Citi 's decision appears to be mistaken and inconsistent. I have submitted multiple disputes with identical information each time, and Citi previously accepted several of them as valid, issuing permanent credits to my account. Its contradictory for Citi to approve disputes based on these details while simultaneously claiming they were incorrect. Additionally, Citi has refused to release the remaining cashback points on my card at the time of its closure.

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 2024-11-13 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: Kovo
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. The fraudulent, inaccurate, and false information consists of a credit These accounts have led to several fraudulent hard inquiries and unauthorized collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are a result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, indicating that all these consumer credit accounts, collections, and hard inquiries are linked to identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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 writing to dispute multiple inaccuracies on my credit report and request immediate correction to ensure 100 % accuracy, as required under the Fair Credit Reporting Act ( FCRA ). There are several errors, including incorrect account types, payment statuses, and outdated derogatory marks, that do not accurately reflect my credit history.

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 2024-11-12 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 writing to dispute multiple inaccuracies on my credit report and request immediate correction to ensure 100 % accuracy, as required under the Fair Credit Reporting Act ( FCRA ). There are several errors, including incorrect account types, payment statuses, and outdated derogatory marks, that do not accurately reflect my credit history.

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 2024-11-13 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: NY

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account is PAST the South Carolina statute of limitations. Please remove from all credit reporting. This is a violation of my rights.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account is PAST the South Carolina statute of limitations. Please remove from all credit reporting. This is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account is PAST the South Carolina statute of limitations. Please remove from all credit reporting. This is a violation of my rights.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, personal information that is incorrect. I kindly request your investigation and removal of the following items : Personal Information : Name : XXXX 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 2024-11-13 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: CA

Complaint narrative:
I think my ex Girlfriend opened these accounts under my name when we broke up. Please remove these from my report, thank 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 2024-11-13 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: CA

Complaint narrative:
I think my ex Girlfriend opened these accounts under my name when we broke up. Please remove these from my report, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
This is my second complaint regarding Coinbase. They have done nothing to fix the problem. I could not access my account in XX/XX/XXXX after numerous attempts. I was FINALLY able to " contact '' Coinbase through the " XXXX  '' platform, formerly known as XXXX. After trying EVERY solution Coinbase threw my way with NO RESOLUTION, I practically begged Coinbase to call me - No response. After my initial complaint, I received the exact same response to " follow these steps '', the EXACT SAME STEPS that NEVER WORKED, to access my account. I STILL HAVE NO ACCESS TO MY ACCOUNT. 

SHOULD COINBASE HAVE TO PAY FOR ANY LOSSES DURING THIS INTERIM? 

Initial Complaint : In XXXX I opened an account with Coinbase. In XXXX, I became a somewhat active user in Coinbase purchasing various different Crytocurrencies. During the time between XXXX and XXXX there would be weeks, perhaps months when I did NOT access my account. When that happened my account was frozen. I had to contact Coinbase in XXXX XXXX and have a XXXX help me get my account opened by sending them real and actual XXXX  information and " live time '' snapshots of myself. During this time the account averaged a balance of possibly {$7500.00} - $ XXXX depending on valuation changes. 

In XXXX my wife passed and I had all but forgotten the account. 

In XX/XX/XXXX I moved. During the time of moving and transition, I found something that reminded me of my account. 
On XX/XX/XXXX I tried to contact Coinbase with the number I had contacted them with before. It was fruitless and a lesson in frustration. Coinbase has somehow found a way to make their recorded message a " run-around ''! Through research ( more time spent ) I found I could contact Coinbase through the " XXXX '' or " XXXX  '' platform. It appeared I had contacted someone, but again, a " runaround ''. It has been OVER A MONTH since my initial contact with Coinbase and all the " solutions '' they offer are NOT SOLUTIONS and I've proved that to them with evidence. I'M STILL GETTING THE RUNAROUND FROM COINBASE XXXX 'S. COINBASE HAS NO INTEREST AT ALL in helping their client customers! In the MONTH that Coinbase has FAILED to help me, has my crypto account " skyrocketed '' and then " tanked ''? Did I lose money? Did I make money? How much? Is Coinbase liable for losses because of their FAILURE TO ACT IN A TIMELY MANNER? 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 1. Coinbase gets me into my account so that I'm able to figure out what's in it 2. Because of the utter contempt shown for their customers, Coinbase should, at the very least, help me TRANSFER ALL my account holdings into another servicer/platform of my choosing in the time I choose to do so AT THEIR EXPENSE if any

Company response to consumer: Closed with explanation