vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and request the investigation and correction of inaccurate and incomplete information appearing in my credit reports. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the correction of any inaccuracies or the deletion of any information that can not be verified. 
# # # Summary of Disputed Information XXXX. XXXX XXXX XXXX Accounts : XXXX XXXX Account Numbers : XXXX - Discrepancies : - Listed as charge-offs with varying past due amounts and payment histories across different reports. 
- Account Balances : {$93.00} and {$35000.00} respectively for the two accounts. 
XXXX. XXXX XXXX : ** - Account Number : XXXX - Discrepancies : - Reported with inconsistencies in the last payment date and the reported charge-off statuses. 
- Account Balance : {$4500.00} XXXX XXXX XXXX  Specific Issues and Required Actions : - **Inaccuracy in Account Statuses** : All accounts are reported with differing delinquency statuses and charge-off information. This information is inconsistent and misleading, affecting my credit unfairly. 
- **Payment Histories** : There are discrepancies in payment histories reported, with some months incorrectly marked as delinquent or not reported at all. 
- **High Balances and Credit Limits** : Reported high balances and credit limits do not match my records and show significant variations across reports. 
I am requesting the following actions be taken : - **Verify** all information with the creditors. 
- **Correct** any inaccuracies found or **delete** the information if it can not be verified as accurate. 
- **Provide me with updated credit reports** along with the documentation that supports any changes made. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice and to notify me of the results in writing. 
Please ensure that the necessary corrections are made to my credit reports. If these inaccuracies are not resolved, I will consider further actions to protect my rights. 
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 2024-06-20 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:
Company name is XXXX XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, WI XXXX and a phone number of XXXXXXXX XXXX XXXX 

Account was opened on XX/XX/XXXX with a balance of {$1900.00} and was charged off with a balance of {$1200.00} in XX/XX/XXXX. Address associated with the account is XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I have never lived at this address and did not open this account. I tried to get this removed from my credit report and it was denied as valid. I contacted customer service twice to discuss this and found the following information out. 
1 ) The account is associated with the address specified above.

2 ) My name is not on the account When I called on XX/XX/XXXX at XXXX PM, I spoke with XXXX about the issue she was able to retrieve the account information. When she discovered my name was not on the account, she put me on hold and then a Spanish message came up and the system hung up on me. 

When I called back on XX/XX/XXXX at XXXX XXXX I spoke with XXXX he transferred me to the department that handles fraud issues. I was transferred to XXXX and when I detailed the issue with him, he hung up on me. 

The account seems to be connected to my SSN some how which is not correct because I did not open this account and can not get information from this company about the account.

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 2024-06-20 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and 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 reported in to be removed. 

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. 


XXXX 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX they are suppose 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. 

These companies has also violated XXXX XXXX. XXXX violates my rights. I DID NOT receive the required opt-out notice at the time the account was created that the account would be reported, I have the right to opt-out from any reporting of non-public information.

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 2024-06-20 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: GA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Atlantic Union Bankshares, Inc.
State: WV

Complaint narrative:
Although I have asked your bank to stop payment, it appears that they did not. The first unauthorized transaction XX/XX/2023, by check number XXXX, and the amount is for {$1800.00}, we did not authorize this transaction and the transaction was done by a check ( which we NEVER use ), which we can not review as other banks allow, this check, who wrote it and what was this check for. 
The second unauthorized transaction was done on XX/XX/2023, for the amount of {$7500.00}, which we have absolutely no knowledge of. 
Why are we just now noticing these unauthorized transactions is because we no longer live in Virginia and have moved to West Virginia on XX/XX/2023. In the meantime, I have asked your bank for bank statements which they chose not to provide until I reached out to customer service and discussed the issue with someone there and eventually received the statements and this is where I discovered the the unauthorized transactions. Please help us as we are senior citizens that just can't afford this loss of revenue. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history with XXXX XXXX and 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 reported in to be removed. 

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. 


XXXX 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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and 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 reported in to be removed.

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. 


XXXX 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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I was defrauded of between {$75000.00} to {$90000.00} over the space of 2 months by an apparent corrupt employee of Coinbase. On several dates in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> in a successful attempt to confuse me, the male employee transferred money back and forth between my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. The individual told me it was illegal to discuss with anyone that my identity had been stolen, when asked for a badge number the individual said he was a certified identity theft technician, certified by Coinbase. The individual said that they counted 17 red flags of attempts to access my retirement accounts and that to protect my funds Coinbase was setting up an account to transfer my funds into. I have opened complaints with XXXX XXXX XXXX XXXX XXXX, I have report at reportfraud.ftc.gov, I filed a complaint with the FBI, I have a Coinbase Case number, I have opened cases with Arizona Attorney General, Arizona Corporation Commission, Az dept of insurance and financial institutions, I have spoke with a lawyer, a friend questions me about why I wanted to sell my gold and I realized that I was being scammed, I sold him my gold anyway and he caused the issuance a cashier 's check which I deposited into my XXXX XXXX account, I had recently opened an account at XXXXXXXX XXXX and requested a {$60000.00} check be issued from XXXX XXXX. When I received the {$60000.00} dollar check I deposited it in XXXX XXXX The Back XXXX XXXX declared the check to be fraudulent. I had recently written checks in the amount of approximately {$20000.00} to the Tax departments of Arizona, New Mexico and the IRS. ( I have paid electronically via transfers and credit card all the money owed to the XXXX departments rendering the checks moot prior to XX/XX/year>. The tellers started yelling at me that that was my fault, I said you know how XXXX corrupt this makes the financial industry appear. I was thrown out of the bank who had called corporate security. I was notified by XXXX XXXX XXXX department that they had been authorized to issue a check for {$41000.00} and that once XXXX Bank lifted it's hold which it would do on XX/XX/year>, I would be able to request a check for the balance. After XX/XX/year> I tried again to get a check issued in the amount of the remaining balance at XXXX XXXX and close the accounts, I was told it was out of their hands and that I would never be paid the {$20000.00}. This unethical systematic abuse continues, as I have received a letter from XXXX XXXX stating that my accounts will closed on XX/XX/year> and the {$21000.00} balance will be seized. I have not received approximately {$1600.00} balance from XXXX XXXX, nor have received my money from XXXX XXXX. I have documents of emails, deposits, transfers, transactions, statements, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I have been requesting itemized statements from Progressive Management Systems since XX/XX/year>. I allegedly owe about {$2500.00} with to this company. First problem is the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) did not send statements so I had no knowledge of this debt to begin with. The only reason I found out I owed is because PMS sent the collection to my credit report with XXXX. There's been a total of XXXX requests for full documentation and itemized statements for this debt and PMS has not provided this. I would like this debt erased since I have no proof of this debt. I had no opportunity to dispute, discuss, set up payment, or play since I never had the statements. I also would like this off my credit report. Lastly, I would like to stop being harassed over this debt. Additionally, these letter were sent via certified mail and everything requests were ignored. Only XXXX statements were sent not itemized and they do not equal what they say I owe which is missing information.

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