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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a victim of trafficking, my personal information was misused without my consent. I request that these fraudulent items be investigated and removed from my credit report. 
I am requesting that you thoroughly investigate the above items and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}. XXXX XXXXXXXX Balance Owed : {$650.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$10000.00} Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Court XXXX Bankruptcy XXXX XXXX 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX goodleap emailed me various times after I repeatedly told them to stop contacting me, the contract is defaulted because XXXX XXXX filed XXXX  and now they keep harassing me to pay it off, they even went as far as sending people to my house to try to scare me

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: CA

Complaint narrative:
Subject : Complaint Regarding Loss of Funds Due to Scam on Coinbase Wallet Platform Dear CFPB, I am writing to formally file a complaint regarding a fraudulent transaction I experienced on the Coinbase Wallet platform, resulting in the loss of XXXX XXXX XXXX XXXX XXXX valued at {$5900.00}, due to a scam involving a fake token on the Coinbase BASE network. 

Details of the Incident Date of Transaction : XX/XX/year> Amount Lost : XXXX XXXX XXXX {$5900.00} ) Platform Involved : Coinbase Wallet ( via the XXXX XXXX  ) Fraudulent Token : XXXX ( clone created by a scammer ) I attempted to purchase the equivalent amount of XXXX tokens using my XXXX funds through Coinbase XXXX. However, instead of receiving the expected value in XXXX, I received only {$0.00} worth of tokens! Upon realizing this discrepancy, I immediately contacted Coinbase customer support to report the issue. 

Customer Support Interaction I spent over an hour on the phone with Coinbase customer support representatives as they investigated the matter. During the call, they confirmed that : A scammer had created a fake clone of the original XXXX token on the Coinbase BASE network. The transaction could not be reversed, as it had already been processed on the XXXX apologized for the incident but claimed that nothing further could be done. 

Complaint Summary I trusted Coinbase as a secure and reliable platform for cryptocurrency transactions, including token purchases on their XXXX XXXX. However, the presence of fraudulent tokens, such as the cloned XXXX, reflects inadequate safeguards against scams and exposes customers to financial losses.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-12-13 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending to formally notify you that I am a victim of identity theft. As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of the following erroneous information from my credit report, as it is related to fraudulent activity and was not authorized by me. Please refer to the attached Identity Theft Report ( # XXXX ) for documentation of this matter. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX BANK XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Under FCRA Section 605B ( a ), I am requesting the removal of the above-listed items and other associated fraudulent information from my credit report. This request is made in accordance with the FCRA 's requirement that Equifax take action within XXXX business days of receiving this notification.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS IS MY XXXX TIME REACHING OUT TO EQUIFAX AND THERE ARE FEDERAL LAWS BEING BROKEN. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 

Under the United States XXXX XXXX XXXX XXXX XXXX XXXX a ( XXXX ) Consumer Right to privacy. 

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA XXXX states that these NEGATIVE accounts are misleading false reporting. 

Under XXXX XXXX XXXX - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

Under XXXX XXXX Code XXXX - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I made a purchase using the CoinBase card. It was for {$69.00} at XXXX. I returned my item that I purchased which was a scooter, and I got a receipt showing that I was refunded my amount. So now I have almost {$70.00} just sitting out in the middle of nowhere for no reason. I have already contacted XXXX and was told that I was going to be refunded. And then also on top of it I linked a XXXX card to my account. This is not the first card Ive ever had on my account so I know how the security process goes when testing for activity on your card. My original XXXX I used was a debit card that I had on my account that had XXXX transaction charges, and those charges fell off and it was never charged in the first place. When I was prompted to add my XXXX card I was told I would not be charged and that XXXX transactions would come through that I would type in and confirm the activity card. I typed these transaction numbers out, XXXX being {$1.00}, and the other one being {$1.00} when I went to CoinBase to ask why my money was taken out of my account when it shouldve never of left in the first place, I was told that I would be given a refund within XXXX to 5 days. I dont understand why money was being taken out of my account when I was told I would not be charged and also why my refund is now currently missing and I have no idea where it is. The worst part about this was that I waited over 12 hours to speak to someone, then XXXX agents disappeared for no reason, and the third agent was not very welcoming of me. I waited all day and still never got a resolution for any of my money.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was going over my bank statements along with my going through my credit to see my report I noticed that I authorized a XXXX payment on XX/XX/2023. Now without my consent they stole XXXX from my account on the same day but on their end it says XXXX on my end I authorized a payment of XXXX. I have proof that this is a fraudulent transaction.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DriveTime
State: TX

Complaint narrative:
I was going over my bank statements along with my going through my credit to see my report I noticed that I authorized a XXXX payment on XX/XX/year>. Now without my consent they stole XXXX from my account on the same day but on their end it says XXXX on my end I authorized a payment of XXXX. I have proof that this is a fraudulent transaction.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
I received an alert from credit bureau that the company below placed a collection on my credit report. I received no prior notification from company or collection agency allowing me to dispute the debt. The services at this address were cancelled. 

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

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/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 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: VA

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-12-13 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I recently checked my Credit Report for the first time in a while and I noticed that there were fraudulent inquiries that I did not allow and induce and I would appreciate if they could be removed because they are fraudulent.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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: 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 2024-12-13 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my 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 2024-12-13 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: DISCOVER BANK
State: CT

Complaint narrative:
I recently checked my Credit Report for the first time in a while and I noticed that there were fraudulent inquiries that I did not allow and induce and I would appreciate if they could be removed because they are fraudulent.

Company response to consumer: Closed with non-monetary relief