vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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 have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I received an alert from XXXX XXXX reporting that a collection account had been placed on my credit report from I.C. Systems, Inc. on XX/XX/XXXX for {$570.00}. I didn't receive any written or verbal communication from this company whatsoever. 

I called I.C. Systems on XX/XX/XXXX and had a recorded phone conversation with them. They informed me this was a collection bill from a XXXX account from XXXX. I informed the representative of the following information that this bill was never owed by me and that a XXXX store upgraded my phone at no charge and all I had to pay was activation fees which were paid to take delivery of the new phone. Later to find out the XXXX store closed and this was an attempt to rip off customers and sell inventory and pocket money. I never would have upgraded had I had to pay for a new phone. 

XXXX also unlocked the phone for me so I could change phone providers because of this bad customer treatment. Had I owed money XXXX money on a phone they never would have unlocked it. 

I also informed the representative that they were the third collection agency that had tried to collect this debt which was covered under a XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX Ohio Bankruptcy Court which was discharged on XX/XX/XXXX. Case # XXXX. 

I have also filed previous complaints with the CFPB regarding this matter as listed in the case numbers here : XXXX & XXXX. XXXX and its band of collection hounds should be fined and sanctioned for this type of continued harassment.

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 2024-02-20 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 have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-02-20 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:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-02-20 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 was a victim of identity theft and this is my request to remove the negative items from my credit file resulting from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$14000.00}

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My information was misused, resulting in inaccurate items appearing on my credit report. Because of this, my credit limits have been reduced on some of my credit cards.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: TX

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. I am hoping that you take immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within 30days and Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.

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 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: MS

Complaint narrative:
Several requests for XXXX validation were submitted with the last request being on XX/XX/year> via certified mail. To date, there has been no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: LA

Complaint narrative:
XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CONSUMER HAS BASIC MEMBERSHIP WITH EQUIFAX VIA MYEQUIFAX.COM, MEMBERSHIP PROMISSED ABILITY TO SEE ADD AND OR REMOVE SECURITY FREEZEZ, FRAUD ALERTS AND ACTIVE DUTY ALERTS VIA THE WEBSITE. IT ALSO PROMISES OPTION TO SUBMIT DISPUTES. CONSUMER HAS NOT BEEN ABLE TO SEE THEIR FREEZE AND ALERT STATUS VIA THE WEBSITE FOR THE LAST XXXX YEARS. EQUIFAX STATES THIS IS BECAUSE OF A " GLITCH '' IN THE SYSTEM AND SUGGEST CONSUMER SEND IDENITITY VERIFICATION DOCUMENTS IN THE MAIL. CONSUMER HAS CONTINUOSLY SENT THE REQUESTED INFORMATION INCLUDING GOVNERMENT ISSUED IDS AND COPY OF SSN CARD. CONSUMER HAS NO PERMANENT RESIDENCE AT THIS TIME SO ROOF OF RESIDENCE/ UTILITES ARE NOT AVAILABLE. GOVERNMENT ISSUED ID AND COPY OF SSN CARD IS SUFFICE. EQUIFAX HAS FAILED TO RESPOND AND UPDATE/FIX CONSUMER 'S MYEQUIFAX ACCOUNT ALONG WITH UPDATING THE CREDIT FILE DISCLOSURE BECAUSE CONSUMER HAS SUBMITTED REQUEST AND DISPUTE VIA MAIL AND MYEQUIFAX.COM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I noticed this account on my credit reports a few years ago after not checking them for a long time .I have disputed this account multiple times. I have never received any communication from this company. Not a letter a phone call or anything. They report this account on my credit reports after many disputes. Report different amounts owed etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I closed my XXXX XXXX XXXX XXXX account. My credit report on all 3 reporting agency 's shows a collections from a company called MRS BPO LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX for {$1600.00}. When I contact MRS BPO they state to call XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX stating XXXX balance received on XX/XX/XXXX. I was never late only left XXXX XXXX XXXX for cheaper XXXX XXXX. 
I have had the same address, e mail, phone # for XXXX years. NEVER had any communication about a balance due to XXXX XXXX XXXX and NEVER had communication from MRS BPO LLC for money owed. I noticed this by looking at my CR because my score went down. Calling MRS BPO several times only gets a person that is not in the USA and repeats " you have to call XXXX XXXX XXXX  '' THIS IS FRAUD, I OWE NOTHING FOR THIS OR ANY OTHER COMPANY OTHER THAN MY PAYMENTS TO LOANS IN GOOD STANDING AND I HAVE NEVER BEEN LATE. 
Please contact me if you need any further proof that I owe MRS BPO and or XXXX XXXX XXXX any Money. 
Thank You XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
I have 2 American Express prepaid cards that I have tried to use at approximately 20 stores over the last week. When I call American Express, I am told that the cards are valid, have a balance, and that the issue is with the stores ; however, after many attempts to use the cards, including at websites listed by AmEx as ones that accept gift cards, I have come to the conclusion that the issue is with the Amex gift cards. It is incredibly frustrating and at this point has remember up many hours of my time.The company called me in the middle of the night and left a message twice saying they needed the card number, but never answered when I called back to give the number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I called the number on the gift card and followed their instructions to send a letter with the enclosures mentioned to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The company still has not responded and it's been over 30 days. They have essentially stolen {$100.00} from our family. 

Cardholder Services : My brother gave this XXXX XXXX XXXX to my XXXX, NAME REMOVED, for XXXX. She is a XXXX. She attempted to use this gift card it to make a purchase on XXXX. For whatever reason, XXXX treated the gift card as though it was fraud and did not charge the purchase to this gift card. Instead XXXX charged my husbands default payment method. Now the gift card has been inactivated and our family is at a loss of the {$100.00} my brother paid for the gift card. 

Attached are images of the gift card, the XXXX transaction information, and my Drivers License. 

Please re-activate and register this gift card to my name and address above, send me a new card worth {$100.00}, or refund our familys purchase of this gift card via check made payable to me, delivered to my address above.

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 2024-02-20 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 was a victim of identity theft and this is my request to remove the negative items from my credit file resulting from alleged identity theft. 
XXXX 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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Starting XX/XX/XXXX and ending on XX/XX/XXXX, I transferred about XXXX USDT ( see attached XXXX ) to different wallet addresses corresponding to an entity called XXXX  ( XXXX XXXX XXXX ) using my coinbase account. When I tried to transfer the money again on XX/XX/XXXX timeframe I found out that my account was in " restricted '' status and was not able to do the transfer ( I lost XXXX XXXX  transferring money from my bank account to coinbase ; buying XXXX, selling XXXX and back to my bank account ). I later came to know that the platform was fraudulent and the transactions that I had conducted was " unauthorized ''. I believe that coinbase had come to know that the transactions I made between the timeframe of XXXX to XX/XX/XXXX were going to a fraudulent platform and I had been scammed. Had they notified me in time I would have not posted transactions from another platform XXXX XXXX XXXX  to this fraudulent platform after XX/XX/XXXX to XX/XX/XXXX. See the list of transactions that I posted from XXXX  platform to XXXX  ( with essentially the same wallet addresses ). Coinbase failed to act responsibly to me as a customer and a user of the platform. I lodged a number of complaints number with coinbase ( Case number XXXX ; XXXX ). Attached are also the XXXX, FTC, CFTC complaints on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
I am formally writing this complaint regarding initial disputes I have done in the past with EXPERIAN INFORMATION SOLUTIONS. I have disputed the following companies that are reflecting on my consumer report to no avail : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts are showing inaccuracies that I have pointed out numerous times, but yet they were still not corrected. There are a lot of misleading item notations of charge offs on a few of these accounts. I have even requested for the accounts to be removed due to the failure to correct these inaccurate accounts. My request to correct or remove the accounts from my reports are being ignored. EXPERIAN INFORMATION SOLUTIONS have updated these accounts but did not correct the issues that I had brought notice to. The accounts have been disputed. I want them removed. The Fair Credit Reporting Act specifically states that 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. 15 USC 1681 ( a ) ( 1 ). The Fair Credit Reporting Act states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 1681e ( b ). EXPERIAN INFORMATION SOLUTIONS knows this for a fact. These accounts have been updated numerous times by EXPERIAN. I am requesting their removal. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 15 USC 1681i ( 5 ) ( a ) ( i ).

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). American Express is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation