vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Acima Leasing, on or about XX/XX/year>. I purchased a bedframe and it was never delivered. I had been trying to access their app using the required information. It stated I had no leases available. On XX/XX/year> I received email that I was past due. I called on XX/XX/year> at XXXX and spoke with XXXX XXXX XXXX and XXXX XXXX inform them I never received product. All three asked me to verify using last XXXX digits of Social security #, which I provided, they said it was incorrect but yet they verified my debit card last XXXX digits, phone number and address, then told me they couldn't send me a copy of the lease for what I do have because they have a different SS #, which I do not understand. I am getting no answers and they are still stating they will charge my debit card for product not received. XXXX discussed my account and was suppose to transfer me to the resolution department but we got cut off. XXXX and XXXX were no help. I asked XXXX how can I be charged for something I don't have and not receive a lease for something I do have. After I informed him I was filing a complaint with your department, he got quiet. I tried calling back to speak with someone else and they refused to discuss anything.There is some fraud going on with this company.. They told me to call my bank and request for the transactions that come from them be stopped but they could not delete my card. They told me I had to send verification of social security number in order for me to get a copy of the lease or for them to have any communication with me. I told them that's illegal to do. I don't understand how XXXX was able to verify the correct information required but they can't. I was told maybe one of them entered the incorrect last four digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debtor that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX, XXXX XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with the concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Thank you, 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 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have submitted police reports Ive submitted an affidavit that this is not my car that Ive been a victim of identity theft I have locks on my reports my report says initial fraud this car is reporting on 2 out of 3 bureaus and is ruining my life on purchasing a home for my family and I Im in no way responsible for this car nor is this car in my possession I demand it be removed

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 2024-12-17 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: IL

Complaint narrative:
I am writing to formally dispute certain inquiries listed on my credit report. After reviewing my credit report from [ Credit Bureau Name ], I noticed several unauthorized and fraudulent inquiries that I did not initiate or authorize. These inquiries are negatively affecting my credit score, and I request immediate action to resolve this matter.

I am certain that these inquiries which I listed in Identity Theft were not authorized by me, and I believe they are the result of fraudulent activity. I did not apply for credit with these companies, nor did I provide permission for these inquiries to be made on my credit file. I am concerned that my personal information has been compromised, and I am requesting a thorough investigation into this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent inquiries be removed from my credit report immediately. Please provide me with written confirmation that the inquiries have been investigated and removed. Additionally, I would appreciate any assistance you can offer to help resolve the potential identity theft issue that has led to these unauthorized inquiries. 

Thank you for your attention to this important issue. I look forward to your timely reply.

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 2024-12-17 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: IL

Complaint narrative:
I am writing to formally dispute certain inquiries listed on my credit report. After reviewing my credit report from [ Credit Bureau Name ], I noticed several unauthorized and fraudulent inquiries that I did not initiate or authorize. These inquiries are negatively affecting my credit score, and I request immediate action to resolve this matter. 

I am certain that these inquiries which I listed in Identity Theft were not authorized by me, and I believe they are the result of fraudulent activity. I did not apply for credit with these companies, nor did I provide permission for these inquiries to be made on my credit file. I am concerned that my personal information has been compromised, and I am requesting a thorough investigation into this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent inquiries be removed from my credit report immediately. Please provide me with written confirmation that the inquiries have been investigated and removed. Additionally, I would appreciate any assistance you can offer to help resolve the potential identity theft issue that has led to these unauthorized inquiries. 

Thank you for your attention to this important issue. I look forward to your timely reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a hospice caregiver and am usually paid cash each week. You can see my weekly cash deposits. The last XXXX weeks has been via checks and the first XXXX were deposited via the mobile app and {$220.00} was made available the next business day and the remainder the following business day. That was until yesterday when it said it was placing a hold until Friday ( 5 day ). I cant wait that long. Unfortunately because the app states I have to write for mobile deposit only on the back, its prevented me from cashing it at XXXX XXXX. So now I had to wait to go inside my local financial center and there was no hold prompted or placed. Now Ive been notified its a 7 day hold and funds wont be available until XXXX XXXX. This is absolutely ridiculous, unnecessary and wholly unwarranted.

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 monetary relief
Consumer complaint received 2024-12-17 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: WI

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

Account Name : 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 explanation
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
coinbase auto logged me out of my account 6-7 months ago and because i dont have that same phone number i have to do id verification Coinbase camera on the web browser and app does not capture my passport photo in its entirety and they continue to blame it on the positioning of the passport

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
Subject : Violation of FCRA - Improper Reinsertation of XXXX Account Dear Experian Representative, I am writing to formally dispute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) regarding the reinsertion of a previously disputed XXXX account into my credit report. Specifically, the account was reinserted on XX/XX/year>, and I received a notification letter on XX/XX/year>. The letter itself is dated XX/XX/year>. As per FCRA regulations, you failed to comply with the stipulated timeframe for notifying me of this reinsertion.

According to Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), a consumer reporting agency must : Notify the consumer within five business days of reinserting any previously deleted information into their credit report. 

Ensure proper certification from the data furnisher that the information is accurate before reinsertion. 

You failed to meet this legal requirement, as I did not receive timely notification within the mandated five-business-day period. This constitutes a clear violation of my rights under the FCRA.

Furthermore, the FCRA specifies that such violations may result in the permanent deletion of the disputed item. I demand the immediate and permanent removal of the XXXX account from my credit report in accordance with FCRA law. 

Additionally, under Section 616 and Section 617 of the FCRA, willful or negligent violations of the Act entitle the consumer to seek damages of up to {$1000.00} per violation in addition to court costs and legal fees. While I am within my rights to pursue legal action for this violation, I am willing to forego a lawsuit if you comply with my request to permanently delete the XXXX account from my credit file. 

Please treat this matter as urgent and respond to my request within 15 days of receiving this letter. Failure to act accordingly will leave me no choice but to escalate this matter further. 

I look forward to your immediate compliance and confirmation of the removal of this account. Please send all written correspondence to the address listed above. 

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXX inaccuracies have not been resolved. 
This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation. 
Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Finance Account Status : Open Payment Status : Current Creditor Remarks : -- Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : 75 Months Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction from your agency.

If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief