vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX, TRANSUNION, and XXXX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.

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 2023-11-21 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 am writing to file a formal complaint against XXXX, XXXX, and EQUIFAX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all the negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2023-11-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: SC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Albert Corporation
State: TN

Complaint narrative:
I noticed a charge pending to my bank account on an app that I had a free trial with but do not use ( Albert financial app, which claims to be insured by the FDIC ) I immediately went to cancel the subscription and ask for a refund since I did not find use for their financial services. When I canceled, I received a response your subscription is canceled and you will not be charged. Under the impression that the pending charge would be dropped, as is very common with subscription services canceled before being used, I deleted my account. Unfortunately the {$14.00} subscription fee still went through after pending. This caused a {$35.00} overdraft fee. The fee put my account further in the negative. I then incurred another overdraft fee from a subscription ( {$1.00} ) that I had planned for. This {$1.00} then caused a new {$35.00} overdraft fee. Albert support claims there is nothing they can do since my account was deactivated. i asked to be escalated to a supervisor. This app is supposed to help financial consumers but instead it makes the financial hardships increase. After messaging all day and only being offered a refund of {$14.00} ( which didnt even go through ) I decided to file a complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I started in XXXX COVID loan forgiveness program, I have the qualifying 120 month/10 years with non-profit employment, i have been told several times my load was forgiven, I was with Navient, XXXX XXXX Services XXXX XXXX Mohela. I have a XXXX page track record of everyone I have spoken to in Mohela, I was told they are processing my information but I needed to email my XXXX 's which i have done 8 times, they are not located so I email again, I am getting the run around half the time i feel the person I am speaking with has no idea what to tell me. the last time I called I was on hold for XXXX XXXX hours before I could speak to a supervisor, I spoke XXXX XXXX XXXX case # XXXX was asigned to me said check in of XXXX I should be getting a letter forgiving my loan, did not happen, I spoke XXXX XXXX - XXXX XX/XX/XXXX Resolution team, she promised me my loan will be forgiven because I have 120 month/10 years full time employment, said she would call/email process within 30 days this did not happen, I spoke to XXXX ( employee XXXX XXXX ) - supervisor end of XXXX after waiting XXXX XXXX hours said i need to email XXXX XXXX yet aging that was the hold up, I asked her why the last supervisor XXXX said everything was XXXX place my loan was forgiven, XXXX said they do not have an XXXX XXXX, XXXX XXXX XXXX would XXXX me XX/XX/XXXX letting me know I was approved, she promised me several times she would not let me down, she did no call. I am paying {$17.00} a month, back in XXXX i owed less than {$8000.00} now it's over {$23000.00} with the interest rate and who know what ever charges I have, this is so wrong, I am very educated on the media with Mohela not using the COVID funds properly, I need help I need to know who I can speak to that will review my case and see that I have been scammed, please, please help me I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please, on several occasions I have contacted the XXXX and equifax agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : 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 in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-21 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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : XXXXXXXX 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

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 2023-11-21 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:
I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I was added to a group called XXXX XXXX XXXX on XXXX on XX/XX/XXXX. In the group, the leader XXXX would share news about the cryptocurrency market and share a daily trade to make on the platform. He would tell what token to use, trading direction, margin and multiplier to use. Then he would tell you when to close the trade on the platform. This continued almost every day and after following for a couple of weeks I decided to try the trades so on XX/XX/XXXX I transferred {$1000.00} into XXXX and then to CXIPro to trade on XX/XX/XXXX. I traded for 4 days in a row and then on XX/XX/XXXX during the trade I lost my money and they said it was because I used too high of a margin. They asked to transfer more money in and throughout the process I did transfer {$11000.00} on XX/XX/XXXX, {$10000.00} on XX/XX/XXXX, and {$100000.00} on XX/XX/XXXX. I ended up losing my money again on XX/XX/XXXX. I was obviously upset and decided not to invest anymore but XXXX kept contacting me and told me she would guarantee I wouldnt lose if I followed the trades exactly and if I did lose then she would replace my money. I ended up investing {$100000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX after following a trade exactly, the account value was again lost. When I reached out to XXXX to let her know, she tried to make excuses and avoided the question of replacing my funds. After several attempts by me to contact her, she didnt respond but instead removed me from the trading group. 

Event timeline DESCRIPTION DATE First date of Transaction XX/XX/XXXX Last date of Transaction XX/XX/XXXX INCIDENT INFORMATION Trading Platform Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lost cryptocurrency Approx. XXXX XXXX Lost amount USD {$240000.00} Total lost approximately {$310000.00} I hired XXXX XXXX XX/XX/XXXX to help track where the funds went after being removed from my wallet. 

Their crypto-forensic investigations tracing solution is also used by law enforcement to investigate suspects of cyber-crime in the crypto economy and track stolen funds. They track specific crypto addresses, transactions, and entities, and investigate links to real-world bad actors. XXXX XXXX crypto forensics investigators are savvy at scrupulously tracing and mapping activity on blockchains and figuring out where the money is located. They have tracked the money to current wallets which I can provide to you if you can help ask for the XXXX information of those wallets and help recover the money or put a stop to this scam. The wallets are in coinbase, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NY

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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