vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - XXXX, XXXX, and TransUnion. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : XXXX XXXX XXXX ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

XXXX XXXX XXXX ( a ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

XXXX XXXX XXXX ( a ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.

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 2024-03-06 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: IL

Complaint narrative:
Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - XXXX, Equifax, and XXXX. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : XXXX XXXX XXXX XXXX XXXX  ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

XXXX XXXX XXXX ( XXXX  ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

XXXX XXXX XXXX ( XXXX ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
this company states that i applied for some type of credit with their company..i did not apply for a capital one card on XXXX XXXX and XXXXXXXX XXXX.from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 : XXXX XXXX XXXX Date of inquiry : XX/XX/2023

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 2024-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: IL

Complaint narrative:
I owe XXXX XXXX XXXX in XXXX, IL. 

I tried enforcing my rights under Illinois General Assembly to have a reasonable discussion about the amount owed. 

Instead of communicating with me, they sold my debt to Frost Arnett, I contacted Frost and told them I dont want any further contact. 

They have not stopped calling or texting. 

XXXX XXXX  will still not respond to me after multiple attempts to resolve my debt.

This is a violation of Illinois state rights.

HEALTH FACILITIES AND REGULATION ( 210 ILCS 88/ ) Fair Patient Billing Act. 

I wanted to dispute a service after a misdiagnosis from one of their medical professionals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I sent XXXX dispute letters to Equifax due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows XXXX separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Have had difficulty for the last 5 days in trying to access and reset my Experian password. The system does not seem to recognize my phone number and I have tried to call Experian Customer Service phone number but can never get someone to answer the phone. Can you assign an Experian executive rep to handle this complaint and address my concerns to get into my Experian account?

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 2024-03-06 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: DE

Complaint narrative:
Equifax is reporting false information Under The Fair Credit Reporting Act, 15 USC 1681 section 602 a, which explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy.

" As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Under 15 USC 1681 section 604 a section 2, '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. ' I have not given my written consent for Equifax, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution Equifax 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. ' Equifax never informed me of my right to opt-
out of information sharing.

Equifax reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures.

I am exercising my right to opt-out of Equifax reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information. I did not Authorize nor give my written consent to furnish these non account number transaction/ Inquires please remove Inquires at once. Equifax has not provided me with a physical original document of my signature giving to your company to furnish on my report. No changes has been made to my credit report their prior investigation CFPB XXXX no changes were done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-03-06 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: WV

Complaint narrative:
I sent XXXX dispute letters to Trans Union due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I requested a refund from my loan. I was sent a check for XXXX check # XXXX XXXX. I thought I lost the check and didnt deposit it. I went to my bank for a loan and found out I was delinquent on payments for this amount. I didnt know I was responsible for repayment especially since I didnt cash it. 

I called edfinancial a couple of times. I soon found the original check. Each time I called I was given different information on how I should go about this since the check was now expired for 2 years. 
I requested to speak with a supervisor multiple times and was told I would get a call but I still havent. I wanted to know what the appropriate steps to take to get a speedy resolution, especially since each rep gave me different information. 

Today I called to see the status of a new check but was told my address was wrong. Calling multiple times and verifying my information each time it does not make sense that they would have the wrong address. I was told the check was returned because of the spelling of my address. 

I was told today that it may take another XXXX months to receive a new check. Meanwhile the interest continues to accumulate on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I have contacted Aidvantage XXXX times regarding my student loans. I have been provided with incorrect information and/or no information. Often time the agent will put you on hold and never come back, or eventually the call just disconnects.The majority of the time they are not able to answer questions regarding the status of your loan. It is so frustrating especially with forgiveness programs require deadlines and proper enrollment status. I feel like this company is providing insufficient support for borrows and poorly training their staff. I feel like this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have a credit karma savings account, I made my first deposit to start creating a saving habit and after depositing my money they froze my account with no explanation to why, I get no answer from customer support and the higher department that is handling my case isnt reachable. My savings are now held in ransom and I cant get any help or know why it was frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
Coinbase is basically XXXX of only XXXX XXXX exchanges I can use legally, and XXXX has been under attack by regulators. It is already unfair that I am limited to these XXXX approved options, especially when I never once had a problem with XXXX XXXX or any other exchange before I was required to use these " official '' ones. They should be under high scrutiny as the only XXXX. 

Instead of high standard, Coinbase invited me recently to use their " Futures '' products, in " Advanced mode. '' This mode of trading is completely fraudulent compared to all similar offerings that use the same 'Futures ' term to describe their offering. 'Liquidation ' is happening at incredible rates, and significantly benefitting Coinbase to users ' expense. 

Their futures program is atypical and predatory : Users can not choose the term length of 'contracts, ' they can not choose the leverage rate ( XXXX is locked in and is high and dangerous ), ***and while they can not choose the leverage rate it does not display the liquidation threshold***. This is crazy. While I am not heavy into XXXX, I have used similar products from as early as 2018, and I *never* got results like I did with Coinbase 's XXXX ' product. The math doesn't work at all, and I checked with reddit and basically crowdsourced an answer to confirm. 

At XXXX leverage on a long contract, for example, the product should be liquidated when the price drops to basically 71 % of it's initial value + fees. However, XXXX of these contracts I purchased, *in which the liquidation threshold is hidden or obscured*, liquidated with less than 10 % overall price movement. For a XXXX leverage contract to liquidate at less than 10 % price movement, *regardless of the fees, * is XXXX XXXX. 

Within XXXX hours I saw this and immediately demanded Coinbase refund the XXXX contracts purchased, including the liquidated one. I have XXXX desire to use this product. Further, this is so bad it's like straight sabotage to the industry at a critical time when XXXX is supposed to grow for the halving. It is beyond negligent for Coinbase to launch this product and offer it literally to anybody, no matter what disclosures they offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 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:
I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries.

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