vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: IN

Complaint narrative:
Consumer Name : ( ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX XXXX XXXXXXXX, XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account XXXX XXXX  date opened XX/XX/XXXX XXXX {$2400.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$750.00}, XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$640.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$430.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$310.00} XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX  Account # : XXXX  date opened XX/XX/XXXX bal. {$100.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$37.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank XXXX IL in regards to the estate of my father There is a subpoena they refuse to answer in regards to the ownership of XXXX of his accounts. It is holding up the Estate/Trust I as executor personally have attorney fees of over {$1500.00} because they won't give information of who was owner of accounts after his death. A sibling is personally suing me because the amounts went into his Estate account. My father passed away in XX/XX/year>. 
Citibank as a company has been a huge reason we have not been able to settle both the Estate and Trust. They wouldn't give us credit card records it took over a year to get them and now this.

We need confirmation of who owns his accounts upon death. My father trusted Citibank with both accounts and credit cards and this has caused years in delays this shouldn't happen. People should be aware that they are too big and don't care about 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
Student Loans have been completely forgiven by the Federal Government in XXXX of 2024. All my accounts have 0 balance on the appropriate accounts. However, Mohela has not reported my 0 balance on the loans to the credit agencies. I have sent a message and have not heard from them. 

Upon researching, this seems to be the only action that will have Mohela fix the issue with the credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-12-03 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1.XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I am a XXXX consumer. I have two credit cards with concora. One has never been used. They decided to start charging a {$3.00} a month fee, so I decided to just cancel the card, close the account. Theres no option to do that online. They will not allow someone else to do it on the phone for me. They will not permitt me to do so via postal mail. The only way they will allow me to close the account is if I personally call them. As a XXXX consumer, thats not an option. I can not use the phone. Now, they have blocked my access to both accounts entirely, I cant even access to make a payment on the other card. Unless I personally call them. I have a 100 % pay rate on my credit report. This will destroy that. This is a violation of the XXXX and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX I put in a request via the Coinbase app to sell my ( at the time ) {$100.00} of the crypto solana XXXX Normally this takes mere seconds as the nature of crypto makes transactions instant. Coinbase has held my funds in a pending status to this day and no matter what customer support you contact you get the say the same copy pasted answer every single time. I personally have lost thousands from the delay and Im sure others have lost a lot more than me. No other exchange is having any issues and customer support times on the app have exceeded a 7 hours wait time. It almost seems like Coinbase is acting maliciously as they would be able to create very lucrative revenue from holding users funds during the current crypto boom. In fact this issue started as soon as XXXX tokens started to rise by the tens of thousands of percent. Check the google ratings for Coinbase XXXX and see the hundreds of people having issues with this supposedly reputable platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. List all 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 non-monetary relief
Consumer complaint received 2024-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I received notification of XXXX hard inquiries to my credit report. These inquiries were from XXXX XXXX XXXX XXXX, Capital One Bank, and XXXXXXXX XXXX XXXX XXXX I have not applied for any credit cards through these banks, nor do I have open accounts with any of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Complaint Regarding Incorrect Personal Information on Experian Credit Report To Whom It May Concern, I am filing this complaint to request assistance from the Consumer Financial Protection Bureau ( CFPB ) in rectifying inaccuracies in my personal information reported by Experian. These errors have caused concern as they misrepresent my identity and residential history, potentially impacting my creditworthiness and financial activities.

Details of the Inaccuracy : The following incorrect information is currently listed on my Experian credit report : 1. Name : XXXX XXXX XXXX ( Incorrect, not associated with me ) XXXX. Address XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( Incorrect ) XXXX. Address XXXX : XXXX XXXX XXXX, XXXX, NC XXXX ( Incorrect ) Consumer Rights : As a consumer, I understand that I have the right to dispute inaccurate information on my credit report. Under the FCRA, credit reporting agencies are required to investigate disputes promptly and ensure the information they provide is accurate. 

I am reaching out to the CFPB to ensure Experian addresses this matter promptly and complies with its obligation to provide accurate credit reporting. 

Supporting Documentation : I have attached the document mailed to Experian in regards to this matter. 

I appreciate your assistance in ensuring that Experian corrects these inaccuracies to prevent any further inconvenience or potential issues.

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 2024-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request that WESTLAKE FINANCIAL SERVICES immediately cease and desist all unlawful reporting of my account on my credit report. I have reason to believe that the information being reported is inaccurate, misleading, or unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The details of the account in question are as follows : Account Number : XXXX Original Creditor : WESTLAKE FINANCIAL SERVICES Amount : {$30000.00} Upon reviewing my credit report, I have found that WESTLAKE FINANCIAL SERVICES has reported the above account with inaccurate information that adversely impacts my credit rating and financial reputation. This inaccurate information has caused unnecessary distress and financial hardship. 

Under the FCRA, WESTLAKE FINANCIAL SERVICES is obligated to report accurate information to credit reporting agencies. If the information can not be verified or is inaccurate, it must be removed immediately. I am demanding that WESTLAKE FINANCIAL SERVICES provide proof of the validity of this account, including any contracts or agreements bearing my signature, if such records exist. 

If WESTLAKE FINANCIAL SERVICES can not validate the accuracy of the information being reported, I demand that it immediately stop all reporting to credit bureaus and request the deletion of this account from my credit report. 

Please treat this letter as a formal cease-and-desist notice, demanding that WESTLAKE FINANCIAL SERVICES immediately stop any collection actions or reporting activities related to this account. I also request that you confirm receipt of this letter in writing within 30 days. 

Failure to comply with this request may result in legal action, including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential lawsuits for violations of the FCRA and any other applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.

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 2024-12-03 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: NV

Complaint narrative:
I am writing to share my concerns regarding several issues I've encountered with the credit bureau, including false account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.

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 2024-12-03 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: NV

Complaint narrative:
I am writing to share my concerns regarding several issues I've encountered with the credit bureau, including false account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.

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