vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
on my credit report it shows a derogatory mark from a debt to Genesis Collection agency for an account with XXXX XXXX XXXX XXXX. The amount is {$7700.00} opened in XX/XX/year>. In the past I visited a apartment rental community of XXXX XXXX. I have never rented an apartment from them, or ever lived there at all. It shows the debt responsibility as XXXX. I am a single individual. I contacted XXXX XXXX over a year ago regarding this and they said they would look into it. When I call back the phone is disconnected. Furthermore the company is out of business also. 
I have evidence of my address for all my life, none of them is this company. 
On my credit report it says " Dispute resolved, reported by grantor ''. Yet the balance shows as open debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
I woke up today to find incorrect accounts on my credit report, and Im absolutely baffled as to how they appeared. I make it a habit to check my report regularly, but this time, it had errors I wasnt prepared for. I refreshed my browser several times, hoping it was a glitch, but the mistakes didnt go away. Im pleading for someone to carefully review the documents Ive provided so I can finally have peace of mind about this.

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 2024-12-03 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: MI

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 computer science, 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 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 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I transferred XXXXXXXX XXXX  ( approximately {$7800.00} USD ) from my XXXX  wallet to my Coinbase account on XX/XX/year>. However, due to the default network configuration in XXXX, the transaction was sent via the XXXXXXXX XXXX, which is unsupported by Coinbase. This default setting can lead to confusion for users, especially when transferring funds between platforms that do not explicitly highlight network compatibility. 

The transaction was completed successfully on the XXXXXXXX XXXX ( Transaction Hash : XXXX ), but the funds are inaccessible in my Coinbase account. 

I contacted both Coinbase and XXXX for assistance. Coinbase informed me that the funds are considered lost due to being sent on an unsupported network, while XXXX also declined to provide a resolution, despite the role their platform played in the confusion. 

This issue has caused significant financial distress as the funds are urgently needed to cover medical expenses from a recent car accident. I am requesting help to recover the funds or to find a viable resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Please remove my authorized account from ny report as I am no longer authorized to use it and not responsible of the account. XXXX XXXX XXXX STARTING IN XXXXDATE OPENED XX/XX/year>2020. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: NJ

Complaint narrative:
This company ( Tomoboost ) provides credit reporting on large credit lines as authorized users for $ XXXX. The service began to fail on reporting approximately XXXXXXXX XXXX After multiple complaints, and no updates, they did give me 2 free months. The service is still not fixed 8 months later and they just charged me again. They refused to refund the most recent charge even though the service still is not reporting on any bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how COMENITY BANK has reported my account to the credit bureaus XXXX and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. This company has several class-action lawsuits against it for predatory and immoral practices ( ex. XXXX XXXX. XXXX ). I believe I am a victim of such predatory practices, and demand this account to be removed immediately. Moreover, the account status have not been updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. COMENITY BANK has also reported inconsistent and inaccurate information to XXXX and XXXX regarding this account. Specifically, the account status is reported as " Paid as agreed '' on XXXX, and " Legally Paid for Less than the full balance '' on XXXX. Also, the last payment date is reported as XX/XX/year> on XXXX, and XX/XX/year> on XXXX.The account status is " Open '' on XXXX, yet " Closed '' on XXXX, and there are several other inconsistencies as well. XXXX has already removed the account due to these inaccuracies. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating COMENITY BANK has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I received a copy of my credit report XXXX on XXXX and my car loan shows it was late in XX/XX/year>, but it was never late. I PREPAID XXXX 'S PAYMENT in XX/XX/year>. 

Please update this account as pays on time and NOT LATE in XX/XX/year>. 

acct name : XXXX XXXX XXXX acct number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
I am XXXX XXXX XXXX coming as the living soul, who is the heir and paramount title holder to the Estate known as XXXX XXXX XXXX .

This is actual and constructive notice that the name XXXX XXXX XXXX is Estate property that is copyrighted. You can find that the copyright information has been filed with the Clerk and is on record with XXXX XXXX XXXX XXXX  XXXX. There you will find the Notice of Declaration and Commercial Affidavit of Truth. From this point forward, this name can no longer be used to furnish and report derogatory account and credit information. All accounts currently listed on the credit report associated with the name must be updated to Paid as Agreed. All late payment information, negative comments, and negative status must be immediately removed. And all balances must be set to XXXX. ALL Reporting containing information solely as to transactions or experiences between the consumer and the person making the report must be excluded. 

" XXXX XXXX XXXX is the perfected proprietary security for the living soul, XXXX XXXX XXXX, under original common law for one hundred ( 100 ) years and is private property for the protection of My estate, life, liberty, and property.

Unauthorized possession or use of XXXX XXXX XXXX and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine.

Any use of XXXX XXXX XXXX and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX XXXX to XXXX XXXX XXXX ( {>= $1,000,000} - {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 

Placement of XXXX XXXX XXXX on any document associated in any manner with My estate or Me, XXXX : XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions and terms so stated and set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, coming as the living soul, who is the heir and paramount title holder to the Estate known as XXXX XXXX XXXX .

This is actual and constructive notice that the name XXXX XXXX XXXX is Estate property that is copyrighted. You can find that the copyright information has been filed with the Clerk and is on record with XXXX XXXX XXXXXXXX XXXX XXXXXXXX. There you will find the Notice of Declaration and Commercial Affidavit of Truth. From this point forward, this name can no longer be used to furnish and report derogatory account and credit information. All accounts currently listed on the credit report associated with the name must be updated to Paid as Agreed. All late payment information, negative comments, and negative status must be immediately removed. And all balances must be set to XXXX. ALL Reporting containing information solely as to transactions or experiences between the consumer and the person making the report must be excluded. 

" XXXX XXXX XXXX is the perfected proprietary security for the living soul, XXXX : XXXX, under original common law for one hundred ( 100 ) years and is private property for the protection of My estate, life, liberty, and property.

Unauthorized possession or use of XXXX XXXX XXXX and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 

Any use of XXXX XXXX XXXX and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX XXXX to XXXX XXXX XXXX ( {>= $1,000,000} - {>= $1,000,000} ) XXXX  of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 

Placement of XXXX XXXX XXXX on any document associated in any manner with My estate or Me, XXXX : XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions and terms so stated and set forth herein.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and
the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section
1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-02 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: TX

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2024-12-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I had 4 hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. XXXX. XXXX Inquiry - XX/XX/year> Institution : Citibank N. A Account Type : All Banks XXXX. Inquirer Name : XXXX XXXX XXXX  / XXXX Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Reported By : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Type : Credit Bureau XXXX. Inquirer Name : XXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX Industry Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-02 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: OH

Complaint narrative:
XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY!

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}

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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I did 2 instant transfer of money from my Cash App account to my XXXX debit card. 
- XX/XX/year> Transaction # 1 : {$150.00} ( there was a fee of {$2.00}, so the amount transferred to XXXX was {$140.00} ) - XX/XX/year> Transaction # 2 : {$5.00} ( there was a fee of {$0.00}, so the amount transferred to XXXX was {$4.00} ) XXXX rejected the transfers and state that since the transfer was declined, the money was never received by them and the funds should have been returned and refunded to Cash App. Cash App says, the transfers show that they were successful on their end and the money was delivered. I provided Cash App with proof that the money was rejected and refunded by XXXX, and they still close my case and do not issue a refund. I called XXXX customer support and they asked that I 3-way call Cash App so they can explain the money was never received and Cash App immediately ended the call when they were notified that XXXX was on the line. I have tried to open a case 2 times with Cash App and they decline every one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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:
I woke up to find incorrect accounts on my credit report, and I can't understand how this happened. I check my report regularly, but this time there were errors that appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccurate accounts remained. I'm begging for the documents Ive provided to be carefully reviewed so I can stop living in constant fear over this.

Company response to consumer: Closed with explanation