vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within XXXX  days. I have included the necessary documents for your review and reference.

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 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Coinbase allowed me to create an account and deposit money into it. After attempting to login several times my account was locked and all payment methods erased as a security measure. After months of customer service not being able to help me, I was able to add my payment method again then deposited more money to test and again account locked. They continued to tell me don't worry and sorry. 

Now they have ignored me on social media on email and on reddit. They simply do not respond. Several other people on their XXXX comments if you look on their posts experience the exact same issue. 

It is a ponzi scheme. They use my money for sure. I can not verify this but seeing how many people have the same issue there could only be XXXX reason people can deposit money but not withdraw. 

Wait times exceeding XXXX minutes

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/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 2024-12-13 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number ALLI Financial Acct # XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

The details of the dispute are as follows : Creditor Name : Ally Financial Account Number : XXXX Reason for Dispute : Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information. 

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 
Creditors are not allowed to report income and I have asked for the company to send mea1099 so that I can file with IRS. This account is not accurate and is has many errors. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within XXXX  days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at XXXX XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I was using Gemini App to transfer some cryptocurrencies to my brother in another country and I made a mistake pressing wrong button on their app and my account got frozen with my capital and money in there. We are still struggling getting response from them and there has been 1 week since the incident happened. Nobody has responded except for an automatic response from them saying they will carefully review this matter which it has not happened yet. I transferred a total of {$7000.00} on XX/XX/XXXX and make 1 or 2 transactions since there is a limit of {$1000.00} daily. I press button of adding funds from my checking account and I cancelled that transaction on my end since was a mistake and they froze my account since then. An error can not be a reason to loose funds. That is totally unfair. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am currently on the SAVE plan so all of my loans were put into forbearance starting XX/XX/2024. Today Mohela is showing i have a past due balance of {$310.00} which shouldn't be as i am on forbearance and should not have any payment. They have never communicated this balance to me either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you : Bankruptcy # XXXX I contacted the Court of Record you list on my credit file, and they V confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ) Therefore, you could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and re-investigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the inform : that you include in your consumer reports that you prepare concerning me, Your prompt attention to this important matter is requested in order to comply with federal law

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 2024-12-13 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: MI

Complaint narrative:
You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you : Bankruptcy # XXXX I contacted the Court of Record you list on my credit file, and they V confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ) Therefore, you could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and re-investigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the inform : that you include in your consumer reports that you prepare concerning me, Your prompt attention to this important matter is requested in order to comply with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. 

XXXX XXXX XXXX has been reporting monthly on me and my wife, XXXX XXXX credit report. We have called numerous of times asking for proof of a signed contract. We are being told they dont have any information to give us and they direct us to call another company. Were asking to have a XXXX XXXX XXXX deleted from both our credit report. Due to the fact that they are telling us they dont have any information to give us, but theyre reporting monthly on our credit report. They have yet to send us ANY documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of unauthorized activity and should not be listed on my credit report. 
Accounts : 1. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$420.00} 2. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries : 1. XXXX XXXX  o Date : XX/XX/XXXX 2. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX 3. XXXX  o Date : XX/XX/XXXX 4. XXXX XXXX o Date : XX/XX/XXXX 5. XXXX XXXX  o Date : XX/XX/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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/2024about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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