vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts need to be removed below XXXX XXXX XXXX  - {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincere 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 non-monetary relief
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
Opened a skrill account, received money from another Skrill customer, tried withdrawing my money from the account an my account got restricted havent been able to make any transactions for a week but my {$680.00} is still on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-12 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I sent money to coinbase to purchase digital assets. I haven't done anything, but coinbase locked my account for 30 days due to suspicious activity. I even had to verify my identity a second time. They stated that there is no way to expedite this process. What suspicious activity? All I did was sent money to coinbase. They are holding my money causing me to miss the window of opportunity of investment that I was anticipating. I have been checking everyday with anxiety!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint against XXXX, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : 1. Re-addition and Re-aging of Fraudulent Accounts : XXXX allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



2. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and XXXX ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



XXXX. Failure to Provide XXXX XXXX : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



XXXX. XXXX of XXXX XXXX XXXX : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



XXXX. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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:
I am writing to request your assistance in resolving an ongoing issue regarding inaccurate credit reporting by Experian. Despite submitting multiple disputes and providing supporting documentation, Experian continues to report incorrect payment history on my Student Loans with Department of Education. 

The payment history inaccurately reflects a 90-day delinquency for XX/XX/year>, even though the account was in deferment at the time. Additionally, the account was reported as current for both XX/XX/year> and XX/XX/year>. Despite these clear inconsistencies, Experian has advised me to contact the creditor directly, rather than taking responsibility for investigating and correcting the error. 

Further complicating this situation, my loans are currently in administrative forbearance due to the ongoing federal investigation into the XXXX XXXX XXXXXXXX for unfair business practices. Given this forbearance, no payments should be reported as delinquent. Under the Fair Credit Reporting Act ( FCRA ), it is Experian 's responsibility to ensure that the information they report is accurate. It is not sufficient for them to defer the matter to the creditor without properly investigating the facts. 

I have attached documentation that includes the deferment notice, information on the forbearance, and relevant correspondence with Experian and the creditor. I respectfully request that the CFPB investigate this matter and require Experian to : Remove the inaccurate 90-day delinquency for XX/XX/year> and update the payment history to reflect the correct forbearance and deferment status. 

Ensure all information reported across major credit bureaus is corrected and that any negative impact on my credit score is removed. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report is corrected and that Experian fulfills its obligations under the FCRA. 
Sincerely, 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 2024-09-12 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:
The List of Key Data Points displayed within my personal payment history below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Payment history rating marked red for poor Late Payments 30+ Days - 5 Late Payments 30+ Days Older Than Past Year - 3 Late Payments 30+ Days in Past Year - 2 Late Payments 60+ Days - 3 Accounts Always Paid as Agreed - 62 % Time Since Most Recent Late Payment - 3 months The above Key Data Points reported have violated my rights. I have perfect payment history and my credit score isn't displaying as.

The following 2 accounts display as Inquiries under Experian that i am unaware of & have also violated my rights. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX There is incorrect information displayed under my Account Summary, " Accounts Ever Late - 6 " There is incorrect information displayed under my Personal Info. 

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

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: UT

Complaint narrative:
On XX/XX/year> my Husband and I received a notice of debt to XXXX XXXX XXXX from Sentry Credit, INC. ( noted that the Statement is dated XX/XX/year> ) The statement from Sentry Credit stated we owned them {$1500.00}. We had not received any notification from the apartment themself. On XX/XX/year> I called and talked with the Apartment manager and she said that it was a glitch in the new system and she said that she said it was corrected and that it would be pulled back from the collections. in the mean time she sent me the ledger so that I had evidence that we did not own them any money, in fact they owed us {$160.00}. Today XX/XX/year> I called them twice in attempts to verify that it was being pulled back and that this was not going on our credit score. but each time they would not talk to me unless that validated me with my DOB and SSN I asked if there was another way to validate me, and they would not. then I asked for a debt validation letter and they would not unless I gave them my DOB and SSN, which I didn't give. then they called me and was asking for the same thing and would not acknowledge me asking for the validation letter. they gave me our old address when they sent the notice to our new address. I gave them my DOB and she said it was incorrect and need my SSN. I told her I was uncomfortable and would talk with the apartment. I tried to call the apartment twice and did not receive a response. I will sent in a written request on how to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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