vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently removed from my credit file. 
Fraudulent Account : XXXX - XXXX - XXXX - $ XXXX Fraudulent Inquiries : XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Coinbase regarding the unjustified review and ongoing suspension of my account. The situation has caused significant inconvenience and frustration, and I feel compelled to seek assistance to resolve the matter. 

Unwarranted Account XXXX : Coinbase initiated an account review based on what appears to be a mere similarity between my name and another individuals. My name is XXXX XXXX, while the individual in question is named XXXX XXXX. We do not share the same name, yet Coinbase has decided to scrutinize my account based on this tenuous link, which I find to be entirely unjustified. 

Lack of Follow-Up After Identity Verification : Following Coinbases request, I provided all required identity verification documentation promptly and in full compliance with their procedures. Despite this, my account remains inaccessible, and each time I attempt to log in, I am met with a message instructing me to wait " a few days. '' This indefinite delay, with no further updates or communication from Coinbase, is both unreasonable and unacceptable. 

Inaccessible Customer Support : I have made repeated attempts to contact Coinbases customer support via phone to resolve this issue. Each time, my calls have gone unanswered, leaving me without any means to address the situation directly. The lack of responsive customer service has only exacerbated the problem and left me feeling ignored and powerless. 

I am deeply disappointed by Coinbase 's handling of this matter and their failure to provide adequate communication or resolution. This experience has caused undue stress and inconvenience, and I believe it warrants immediate investigation and intervention. 

I respectfully request CFPB 's assistance in addressing this issue with Coinbase and ensuring that the company reviews and rectifies their account suspension practices. I trust that with your support, Coinbase can be held accountable for their actions and provide a timely resolution to this matter. 

Thank you for your attention to this complaint. I look forward to your response and guidance on the next steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AUSSRQ Holdings, LLC
State: CA

Complaint narrative:
Company is trying to collect on an alleged debt. I sent cease and desist letter that was received on XX/XX/year>. On XX/XX/year> I received XXXX more calls and a voicemail in violation of the fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$5000.00} from my XXXX savings account to what I believed was my sister 's Chase checking account. 

On XX/XX/year>, after realizing the money had not reached my sisters account. I reviewed my transactions details and realized the receiving account number was XXXX digit off. Concerned, I contacted XXXX and initiated a dispute through their chat feature. Later that day, I called Chase customer service, where a representative assured me that their policy is to verify the account name against the account number before approving any transfer. 

Given Chases stated policy of verifying that the account name matches the account number before authorizing a transfer, I was confident this error would have been flagged or blocked. However, the transfer was processed, and the funds left my XXXX account without issue. 

Over the next several months, I have followed up extensively with both Chase and XXXX, only to be met with delays, incomplete responses, and inconclusive investigations. XXXX confirmed they had sent a Letter of Indemnity ( LOI ) to Chase, formally requesting the return of the funds. However, Chase returned a blank response form instead of addressing the matter substantively. When XXXX requested further action, Chase repeatedly failed to respond, leading to multiple closures of the dispute by XXXX. 

Throughout this ordeal, I encountered conflicting information from Chase. Customer service representatives assured me of their verification policy, yet the transfer was not flagged despite the mismatched name and account number. 

After months of effort and over XXXX hours of cumulative phone calls, XXXX has concluded its investigation XXXX with the determination that no further action will be taken. This decision was made without being providing clear reasoning or documentation from Chase. As of now, my {$5000.00} remains unrecovered, and I have not received a satisfactory explanation for why XXXX systems and policies failed to protect against this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Comerica
State: MS

Complaint narrative:
I am writing to request your assistance in resolving an issue involving Comerica Bank and XXXX. I was recently informed by my lawyer that I am listed in XXXX for alleged fraud with Comerica Bank, including claims that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called chase bank and was referred to the debit card fraud department on XX/XX/XXXX. I reported my claim dating back to XX/XX/XXXX for fraudulent activity. On XX/XX/XXXX I spoke with a supervisor in the fraudulent claim department about the status of my claim. The supervisor, XXXX, stated that since I was not incarcerated or hospitalized my claim was only valid at the beginning of reported fraudulent activity for XXXX  days. Per Chase 's updated policy. Chase Bank has only partially refunded me XXXX XX/XX/XXXX. The fraudulent activity occurred XX/XX/XXXX XXXX. They stated that I am responsible for the rest of the fraudulent charges on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IN

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am exercising my right to have these fraudulent entries removed. 
Fraudulent Accounts : XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX - XXXX - $ XXXX XXXX  - XXXX - XXXX - $ XXXX BANKCRUPTCY - XXXX - XXXX - {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Names XXXX XXXX XXXX XXXX XXXX XXXX Accounts ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX Remove these address ( es ) XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Employer ( XXXX ) XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-15 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take XXXX XXXX against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take XXXX XXXX against you.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: IL

Complaint narrative:
Dear XXXX and XXXX XXXX Department, I am writing to follow up on our recent conversation regarding the fraudulent account reported on my XXXX credit report by IQ Data. As requested, I am submitting the necessary documents to support my dispute. 

Enclosed, please find the following documents : XXXX. FTC Identity Theft Report - detailing the fraudulent activity associated with IQ Data. 
XXXX. Proof of Identity - a copy of my government-issued ID for verification purposes. 
XXXX. Proof of Address - a recent utility bill, lease agreement, or other official documents that show my current address. 

I would like to reiterate that I did not authorize or open the account reported by IQ Data. This is a case of fraud, and I respectfully request that the fraudulent account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MS

Complaint narrative:
I've been trying to get my personal information corrected and this negative account validated but I am not having any luck.

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 2024-11-15 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: MS

Complaint narrative:
I've been trying to get my personal information corrected and this negative account validated but I am not having any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
This account has been on my report since XXXX XXXX  years ago. There seems to be a mix up with 2 different cards. One says lost or stolen account, the other says charged off, and another time I saw open. 

I have attached what it states in all 3 credit reports and none of the information is consistent. Also, there was no explanation of the 2 different cards or the payment history.

I've disputed several times, and it is never Deleted or explained why it isn't Deleted, and the company never supplies me with any proof it is my debt. 

Please provide some proof that the account is mine, payment history, and when the account has been opened or closed. Please DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Sezzle Inc.
State: TN

Complaint narrative:
This account has been inaccurate and mishandled since it was closed. It was closed without my knowledge, however they continue to send me emails as if it is still open! 
You can only speak to foreign customer service reps who know nothing and are not helpful! 
Even though the balance is incorrect, I attempted to take care of it due to it being on my credit report! I was told it was with a collection agency called them and the collection agency said they do not have it! I continue to call back to figure out what the problem is and all I am doing is going in circles with this company! I am about to hire an attorney! 
This account needs to be removed from my credit report due to continuous inaccuracies and false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
I PURSHASED A CAR FROM CARAVANA ON XXXX XX/XX/year> IN FULL NO LOANS OR BANKS IT WAS DELIVERD ON XX/XX/year> I HAVE ALL THE CONTRACTS THE BILL OF SALES RECIEPTS ETC ALL DOCUMENT WHEN IT WAS TIME FOR TITLE TO ARRIVE THE REPO THE CAR NOW I WENT WITH POLICE TO REPO COMPANY I GOT A COPY THE REPO ORDER IT SAY XXXX WAS LIEN HOLDER WHICH IS PARTNER TO XXXX FOR LOANS HOWEVER XXXX SAYS THEY DIDNT PUT THE REPO ORDER OM THE CAR CAUSE IT WAS PAID IN FULL SO THEY WOULDNT HAVE ANYTHING TO DO WITH THE CAR CARVANA BLOKS ME AND SENDS SAME AUTOMATED REPLY THEY I HAVE NO UNDERSTANDING NO ONE WHO CAN SEND THE ORDER TO REPO CAR CAN TELL ME OR SEE ANYTHING I SENT XXXX EMAILS XXXX CALLS FROM DIFFERENT PHONES CAUSE THEY BLOCK ME THEY SENT ME THE FUNDS BUT IT WAS FOR EXTRA WARRANTY I PURSHASED I AM CAR FUNDS AND EXPLANATION I CONTACTED THE BBB AND THEY SAID THEY WILL TRY TO WORK WITH ME BUT THEY SENT THEM SAME AUTOMATED REPONSE CAN YOU HELP ME WITH THIS SIUATION IS STRANGE I KNOW BUT IT REALLY HAPPEN THEN CARVANA HAS THE CAR ON THE APP IF IM TRYING TO SELL OR TRADE THE CAR I PAID FOR SO I TRY TO CHECKOUT WITH THAT THEY CANCEL THE ORDERS SO THIS LAST RESULT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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