vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account number : 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 2024-04-03 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-03 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: EQUIFAX, INC.
State: CA

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 2024-04-03 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: NC

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.

**See Attachment, I have several accounts about XXXX they are highlighted in Yellow has violated my rights.

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. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a single mom and trying to live. Please remove this false negative information. 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-04-03 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fundo LLC
State: MO

Complaint narrative:
I had an arrangement with fundo, LLC. On the second payment they also attempted to take extra " fees '' from my checking account. At this point I revoked ACH authorization and requested a written statement so that I may pay the outstanding balance and was informed that goes against their companies practices. I then informed them I would not be paying without receiving the statement and I would only be paying by money order or certified check and they again refused and sent it over to a law firm to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have my driver 's license lost in mail around XX/XX/2024 and identity stolen around same time. Some fraudulent person uses stolen identity to create accounts with Experian, XXXX, and XXXX to access my credit report and lock me out of account access once I found out about the theft. 

I subsequently contacted Experian on XX/XX/XXXX to file dispute on account created by fraudulent person using stolen identity and phone number with area code XXXX and XXXX  account. Experian asked for copy of utility bills, drivers license, and even social security card to be send by fax which I did on XX/XX/XXXX. Nothing being done up to XX/XX/ 2024. A call to Experian on XX/XX/2024 after initially answering XXXX identity questions and told account reset password link will be send to my current password within XXXX mins but nothing show up. Subsequently call to Experian asking for supervisor to file complaint but supervisor refused to answer the call! After several strong request, a supervisor named XXXX, hear the complaints call with rude voice but subsequently hang up midway without providing any apology, time frame or solution. This is definitely frustrating process with Experian while fighting the identity theft after Experian allow fraudulent person to change my information! 

While I have similar incidents with both XXXX and XXXX, they manage to resolve the issues within the same day after receiving documents and verifying the identity.

Thank you for your kind assistance. 

Yours truely 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 Account number : 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 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an email alerting me that my XXXX loan was turned over to a collection agency called Midland Credit XXXX. I did not contact them immediately due to a hectic schedule, which included being a XXXX, going through a XXXX, and working a full-time job. Additionally, I had XXXX illnesses in XXXX that sent me to urgent care. On XX/XX/XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX. I am still recovering and under a doctor 's care. I am not making excuses, but I have been a little busy. This morning, I received a call from XXXX XXXX at XXXX XXXX. Initially, he did not identify himself or why he was calling. He began by asking if I was XXXX XXXX XXXX. He then stated by exact birthday including the year. This was alarming. I thought it was a scam or identity theft. I tried cutting him off to determine who he was, but he kept talking over me and mentioning more of my private information. When he finally told me who he was and that I owed {$17000.00}. I told him that was more than I initially borrowed and that I had made regular payments for over a year. I told him I was walking in to work and could not talk but he kept talking. He demanded I pay the full amount today. I told him it was obvious I did not have it. I told him I was at work. I said call me after XXXX XXXX  tonight. He said he did not work that late. He said I needed to find time to talk to him today or I would be turned over to an attorney who would garnish my wages. I told him I am too busy today to speak at all. He would not let me off the phone until I agreed to speak with him tomorrow at XXXX Eastern time. 
My complaints : ( 1 ) Rude and pushy ( 2 ) Threatening phone call ( 3 ) Refused to call its convenient for me. he coerced and bullied me into accepting a call at an inconvenient time.

( 4 ) Kept talking and refused to hang up after I told him I was at work. he kept talking as I entered the building and people greeted me.

( 5 ) The interest rate they are charging is 5 % higher than the original debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
My Discover Bank savings account was recently hacked and the hacker initiated 2 ACH transfers ( ACH Deposits ) of {$50000.00} and {$30000.00} from my linked XXXX XXXX XXXX Bank accounts on XX/XX/2024. I noticed these unauthorized transactions and contacted Discover bank to cancel these transactions and return the {$50000.00} and {$30000.00} to my XXXX accounts. Both funds were later returned on XX/XX/2024 as " Misc Debit - Unauthorized Transactions ''. However, on XX/XX/2024 XXXX more transactions of same amounts ( {$50000.00} and {$30000.00} ) debited my same savings account under " Reverse ACH Deposit ''. I never received there funds in my XXXX XXXX  accounts. I have tried to directly work with Discover Bank many times to request credits for these XXXX debits since XX/XX/2024. Discover Bank customer service, including their Dispute and Investigation Team, not only refused to credit the {$50000.00} and {$30000.00} to my savings account but also refused to give me any explanation regarding these total of {$80000.00} that was debited to my account. During these time, they have given me false and/or vague promises such as " we will credit your account in the next XXXX hours '' or " we have our back office look into these and will have them solve this for you within XXXX business days ''. As of today, XX/XX/2024, I have not received credits nor explanation of the additional {$80000.00} that was taken from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 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: FC HoldCo LLC
State: AL

Complaint narrative:
noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must 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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
between XXXX XX/XX/24 and XXXX XX/XX/24 my coinbase crypto account was hacket and {$120.00} US were stolen in different coins, they were transfered from my account in coinbase to diffrent crypto wallets by the hackers. 
when I realized what happended I was able to log on to the account via the fascial recognition on the phone and saw that {$120.00} were stolen in coins and {$8.00} were still in the account by the time I was able to locked and start the process with coinbase support help desk. 
case number was created by coinbase and later on XX/XX/24 coinbase sent me an email with the IP address of the perpetrator and the wallet transations that took place over that weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am writing to complaint to PORTFOLIO RECOVERY about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened my Apple Wallet, which displayed XXXX due today, and submitted a split payment for my Apple Card between Apple Cash for XXXX and my bank account for XXXX. Approximately 2 hours later, I received a notification that my payment for the full original amount was processed, and upon opening Apple Wallet, a payment for the full amount was displayed as occurring 1 hour before my payment that had not been displayed previously. 

The automatic bank payment could not be canceled, but I was able to cancel the smaller second payment. The Apple Cash payment, however, was not visibly applied to my balance, even though I expected to see a positive balance of XXXX. 

Upon contacting Goldman Sachs support, I was informed that my Apple Cash payment was applied to the final installments in my installment series, and that a refund could not be issued. This may be a violation of 1026.11 ( which requires refunds of positive balances within 7 days ), and is a violation of the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 ( CARD act ), specifically the requirements to apply payments to the highest interest balance first. 

I assert that the last-due installment payments ( approx 16 months at 0 % interest ) are a lower interest balance than the first-due installment payments ( less than 30 days before due ), as no rational customer would ever pay off a later-due installment when they could pay off a sooner-due installment, as one can always pay off a later-due installment at an earlier date, but can not pay off an earlier-due installment at a later date. Therefore, Goldman Sachs is in violation of the CARD act for failing to apply my payments above the minimum in the most consumer-friendly-fashion ( choosing to apply them to the lowest interest balances that I would never rationally pay first ) In addition, installment plans can reasonably be considered a separate " account '', as they can be paid off individually and are added in discrete units to the revolving credit account. Therefore, Goldman Sachs should not automatically apply payments to installments, and should hold them as a credit balance on the account to apply against the next payments, or to allow for a refund.

Company response to consumer: Closed with explanation