vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I discovered I was unable to access my account. I had somehow been signed out completely. I attempted to sign back into account but was told I need a two step verification which would only be achieved by submitting documentation ( drivers license ) and personal photo. I received an email stating my identification was verified and to sign in through the email to the account making sure to update the verification process. I signed in using username and password however the system stated I needed additional verification to access the account. I tried multiple times to contact customer service but was unable because a sign in is required to speak with customer service, which I can not accomplish because the system will not allow me to sign in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: PR

Complaint narrative:
I been victim of identity theft and I try to let the credit bureau know the sum of this cards are no mine they were open and close I never knew about it and I never couldn't even use it they've been open and close without my authorization I tried to explain this to the credit agency but they say that information is correct one of these car is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both they say that is a secure card but I never open or I never knew that it was open

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 2024-12-08 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: NC

Complaint narrative:
THE FOLLOWING INQUIRIES HAVE BEEN DISPUTED IN PAST MONTHS AND WERE DELETED BUT ARE NOW APPEARING AGAIN ON MY EQUIFAX CREDIT FILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account hurting my ability to obtain credit. This account charge off on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then the account has repeatedly been updated as charger off every moth.This is an update in the payment history. A charger off account should NOT include an active payment history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you will reinvestigate this account properly and see its has violated my rights of privacy. I am demanding a deletion of the following account of my credit report. Account Name : XXXX XXXX, Account Number : 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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I need the indentured trustee and address to make payment. 
Please help me get this information from Synchrony Bank so that I can make a payment. 

I gave them an application with my signature which denotes paid in full. I need consideration. I will need my application back. 

Thank you, 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 2024-12-08 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: FL

Complaint narrative:
I noticed some hard inquiries on my report that I want removed. I wasnt aware of them until recently.

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 2024-12-08 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: WA

Complaint narrative:
I have been trying to clean up my credit report which has hard inquiries that I did not authorize and credit scores all over the place between the credit bureaus. Who XXXX XXXXXXXX runs the credit bureau, are they not responsible to anyone. What do you people do other than providing consumers with pages of forms to fill out in order to complain. What a joke

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 2024-12-08 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: NC

Complaint narrative:
I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Equifax credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These XXXX accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: RI

Complaint narrative:
Dispute Reason : Inaccuracy, do not own Dispute Instructions : Please delete immediately Dispute Reason : lack verification of debt, inaccuracies, do not own Account Name : nationwide capital S Account # : XXXX Please delete all of this immediately Under the Fair Credit Reporting Act, 15 USC 1681G I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

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 2024-12-08 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:
I noticed some hard inquiries on my report that I want removed. I wasnt aware of them until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
I noticed some hard inquiries on my report that I want removed. I wasnt aware of them until recently.

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 2024-12-08 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: PR

Complaint narrative:
I been victim of identity theft and I try to let the credit bureau know the sum of this cards are no mine they were open and close I never knew about it and I never couldn't even use it they've been open and close without my authorization I tried to explain this to the credit agency but they say that information is correct one of these car is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX both they say that is a secure card but I never open or I never knew that it was open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: PR

Complaint narrative:
I been victim of identity theft and I try to let the credit bureau know the sum of this cards are no mine they were open and close I never knew about it and I never couldn't even use it they've been open and close without my authorization I tried to explain this to the credit agency but they say that information is correct one of these car is XXXX XXXXXXXX XXXX  and the other one XXXX XXXXXXXX both they say that is a secure card but I never open or I never knew that it was open

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 2024-12-08 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a cellular account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and another cellular account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Additionally, the XXXX XXXX XXXX XXXX  XXXX account includes a fraudulent XXXX late payment reported on XX/XX/XXXX. These accounts and the associated fraudulent late payment have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: WA

Complaint narrative:
I have been trying to clean up my credit report which has hard inquiries that I did not authorize and credit scores all over the place between the credit bureaus. Who XXXX XXXXXXXX runs the credit bureau, are they not responsible to anyone. What do you people do other than providing consumers with pages of forms to fill out in order to complain. What a joke

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 2024-12-08 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: WA

Complaint narrative:
I have been trying to clean up my credit report which has hard inquiries that I did not authorize and credit scores all over the place between the credit bureaus. Who in XXXX runs the credit bureau, are they not responsible to anyone. What do you people do other than providing consumers with pages of forms to fill out in order to complain. What a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX SSN : XXXX To : Self Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher Ref XXXX XXXXXXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible 1. Close the unauthorized account 2. Remove any charges on the
unauthorized account, and 3. Take steps to remove information about this account from my credit files.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. Email Me XXXX XXXX XXXXXXXX ) OR send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS is attempting to collect on a medical debt that is not owed. There is two separate accounts that are currently in collections with them. I am a veteran and only seek medical attention from the VA. I am unaware of the amount due, and the bill does not include a detailed breakdown of any fees. Furthermore, I am allowed under the HIPAA law Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall permitting them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me, but any details may only be revealed with the patient 's authorization. Therefore, my request is twofold : Validation of Debt and HIPAA authorization. Please provide a breakdown of fees, including any collection costs and medical charges. Please provide a copy of my signature with the service provider to release my medical information to you Immediately cease any credit bureau reporting until I have validated the debt with MEDICAL DATA SYSTEMS I Please send this information to my address listed above and accept this letter, sent by certified mail, as my formal debt validation request. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will violate the FDCPA because you will be deceiving me after my written request. I am requesting complete documentation of what you received from the service provider regarding this alleged debt. Furthermore, any reporting of this debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages. Original creditor : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Original balance {$1700.00} Original creditor XXXX XXXX Account number XXXX Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Dear ( Debt Collector ) ecently received a debt collection notice from your office. I am writing to verify that you ha intacted the correct individual and to request that you provide documentation confirming th Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LCS FINANCIAL SERVICES CORPORATION
State: VA

Complaint narrative:
Dear ( Debt Collector ) ecently received a debt collection notice from your office. I am writing to verify that you ha intacted the correct individual and to request that you provide documentation confirming th Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation