vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CT

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Coinbase, Inc.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX, I opened a Coinbase Wallet account. I was prompted to create a username and password. I was never prompted to establish an account restoration 12 word phrase or any other mechanism for that matter. On that same day, XX/XX/XXXX, I successfully transferred {$1300.00} worth of Bitcoin and {$1100.00} worth of ETH from my Coinbase account to Coinbase Wallet. This transaction is documented in the transaction log of Coinbase. I still have the record for that and it shows it in my Coinbase activity log. 
-Recently, ( XXXX, XXXX, XXXX ) I tried to log in to my Coinbase Wallet, but could not. I still have access to my Coinbase account. The strange thing is that the Coinbase Wallet App recognizes my username and password because if I try to put a wrong password it will respond with " Incorrect, try again '', but when I use my correct credentials I get the response " Authentication Failed '' ( see attachment, screen shot ). I am not sure why I get the latter message. Could it be that Coinbase Wallet upgraded their security and that my credentials need further authentication? I am happy to prove that I am the rightful owner? Unfortunately, I tried getting help or answers from Coinbase customer care, but never got anywhere with that. I spent multiple hours over multiple day : from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I spent over XXXX on the phone with customer care ( see attachment, phone screen XX/XX/XXXXXXXX XXXX XXXX XXXX without anyone picking up the call. Their customer service using the Coinbase App is no better : AI-generated responses that keep going in circles for a long time as you wait for an illusive " live agent ''. Finally, and after many hours, a " live agent '' comes on line and repeats the circle by responding with the same templated scripted cut-and-paste generic answer : recommending restoration of the wallet account with the 12 word phrase. A phrase that was NEVER issued in the first place. There was never a genuine attempt to trouble shoot or give useful suggestions or answers. The " live agent '' types and never actually talks with you. Oh, and the e-mail customer care service dragged on for days with the same cut-and-paste generic response. In other words, there was effectively no customer care or functional tech support to interact with. Sadly, it was all a wasteful and stressful experience. 
-BTW, I was issued two case numbers, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
This company ( NCB ) is violating my rights with inaccurate information, and they have not provided me with accurate validation, yet they have placed a collection account on my consumer credit report information UNDER 12CFR 1006.34 ( b ) ( 5 ) yet ( NCB ) is violating my rights and I'm entitled to {$1000.00} for each violation I have listed, that can pay me {$1000.00} or DELETE this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN IS USING MY PHYCAIL ADDRESS CAUSING ME RELOCATE 
EXPERIAN HAS FAILED TO COMPLY WITH STATE LEVEL PROTECTION WHICH REQUIRE THE USE OF MY XXXX XXXX FOR ALL CORRESPONDENCE AND DOCUMENTATION 
THE ADDRESSED THAT ARE BEING REPORTHED ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS IS CAUSING MY ENTIRE FAMILY OUTSIDE MY HOME EMOTIONAL STRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I dont have XXXX XXXX XXXX XXXX XXXX XXXX and american express gold never opened thoes cards i dont want to effect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.

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 2024-12-30 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
About lesxington law settlements. I signed up for sevice with lesxington law XXXX XXXX XXXXXXXX with monthly subscription of {$99.00}. I have be waiting for the refund settlements but haven't gotten yet. This is my updated address. 
XXXX XXXX CT. 
XXXX, NC XXXX. 
Thank you and looking forward for my refund settlements check. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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 am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Ive been paying Lexington Law to fix my credit and nothing changed they was just taking my money and then I kept having like late fees and had to change the package but the main thing was I was paying for them and they wasnt fixing my credit. I actually went to Lexington Law twice to see if they would help me because the first time it didnt work so I did it the second time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 non-monetary relief
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. 
Additionally, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly

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 2024-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/year> - I tried to use my prepaid Amex Gift Card but was unable to do so at XXXXXXXX XXXX XXXXXXXX XXXX for the amount of {$75.00}. 
XX/XX/year> - I tried to use my prepaid Amex Gift Card but was unable to do so at XXXX for the amount of {$75.00}. 

Each time, I entered in all information correctly and was still unable to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian IdentityWorks Team, Re : Identity Theft Report and Credit Report Correction I am writing in response to your recent letter requesting documentation to support my claim of identity theft. I appreciate your efforts to verify my identity. 

As an existing customer of Experian IdentityWorks, I would like to remind you that my membership is a result of the data breach with XXXX XXXX. I have previously worked with an Identity Theft Restoration Specialist assigned to me by Experian, who has handled multiple cases on my behalf. 

To further support my claim, I am attaching a new Identity Theft Report, which states that all the inquiries on my credit report were due to identity theft. I request that you take immediate action to correct my credit report. 

Specifically, I request that you omit every single inquiry from the date of the last inquiry removal until the present date, [ Current Date ]. I allow four days, as permitted under the Fair Credit Reporting Act, for you to block all said inquiries from my credit report. 

I would like to emphasize the significance of this correction, as the inaccuracies on my credit report have severely impacted my life. I have lost opportunities to purchase a home, acquire a car loan, gain custody of my children, and even secure my own place of dwelling. These setbacks have caused me significant emotional and financial distress. 

As you are aware, the Fair Credit Reporting Act provides protections for consumers like myself who have been victims of identity theft. I am confident that your company values accuracy and fairness in credit reporting. I hope we can resolve this matter amicably and promptly. 

Please confirm in writing once this correction has been made. If you require any further verification of my identity, please let me know. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-30 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: MA

Complaint narrative:
I am writing to notify you of a violation of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) - ( iii ). Specifically, the items in question were previously deleted from my credit file, but you reinserted them without notifying me within five business days or certifying that the items were properly validated.

I demand that you immediately delete these items from my credit file. Failure to do so will leave me no choice but to pursue legal action.

Please address this matter promptly.

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 2024-12-30 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: CA

Complaint narrative:
in accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 antedate 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 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 2024-12-30 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX secured loan for used XXXXXXXX XXXX Contacted insurance company to be covered Not long after I called Regional Acceptance Corporation to tell them thaXXXX XXXX XXXXXXXX was doing some shady things about the deductible. My deductible was originally {$2000.00} where the maximum they would take was {$1000.00}. So I had to go back and change that. 

On XX/XX/XXXX they completed my loan and even got me a lower interest rate from before. Her name was XXXX XXXX XXXX. 

Now its XX/XX/XXXX and they sent a letter stating credit denial, termination or change of loan. I already gave them my car note for the month of XXXX. I sent it on XX/XX/XXXX on time payment. 

It appears that this company has unethical finance practices dealing with customers finances while researching online.

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