vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: GA

Complaint narrative:
This card has unlawful purchases that were not verified by me. 
This card refused to close my account. My resolution is I want this card to close my account, and send me an apology letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate credit reporting by Nationstar Mortgage ( also known as Mr. Cooper ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), which is negatively affecting my credit score and financial standing. 

The following issues are present on my credit reports : Inaccurate Late Payments : Nationstar Mortgage has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by Nationstar Mortgage, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by Nationstar Mortgage is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with Nationstar Mortgage by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Nationstar Mortgage corrects these inaccuracies on my credit reports. I also request that Nationstar Mortgage be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Subject : Request for Debt Validation Pursuant to the FDCPA Dear Ideal Collection Agency, I am writing in response to your recent communication regarding an alleged debt you claim I owe. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt to ensure its validity.

Please provide the following documentation : 1. The exact amount of the alleged debt ; 2. The name and address of the original creditor ; 3. A copy of any agreement bearing my signature that demonstrates my liability for the debt ; 4. Verification of the debt or a copy of any judgment ; and 5. Proof that you, Ideal Collection XXXX, are legally authorized to collect on this debt. 



Until you provide the above documentation to verify the debt, you are legally prohibited from : Continuing collection activities, including phone calls and written communication ; Reporting the debt to any credit reporting agencies ; Initiating any legal action regarding this debt. 



Demand for Immediate Action : 1. Cease All Collection Activity : You are required to immediately halt all collection efforts, including phone calls, written communication, or credit reporting, until the requested documentation is provided.

2. Provide Debt Validation : Within 30 days, you must submit the legally required validation of this debt. Failure to do so will result in formal complaints filed with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA.

Failure to comply with these legal obligations may result in my pursuing legal action against Ideal Collection XXXX for attempting to collect an unverified debt, as well as damages for violations of my rights under the FDCPA. 



If this alleged debt can not be validated within the time prescribed by law, I will consider the matter closed and will request that all references to this alleged debt be removed from any credit reporting agencies. 



Thank you for your prompt attention to this matter. All future correspondence must be in writing and sent to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: IN

Complaint narrative:
Ive been contacting them for week two weeks now even mailed letter out to them still these items arent removed from my report. Ive only recently became aware of said items when I went to purchase a vehicle. Once I found out items were reported as fraudulent cause Im the victim of identity theft. Since Ive made several attempts to contact these agencies to have it removed ( the items ) as of yet they havent complied. So my next course of action is legal after these steps The following accounts : XXXX XXXX XXXX, XXXX, XXXX ( which is an eviction for an apartment which Ive never lived at or in ), XXXX XXXX XXXX  These items do not belong on my credit report in accordance with FCRA THEY ARE IN VIOLATION!

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 2024-12-04 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: IN

Complaint narrative:
Ive been contacting them for week two weeks now even mailed letter out to them still these items arent removed from my report. Ive only recently became aware of said items when I went to purchase a vehicle. Once I found out items were reported as fraudulent cause Im the victim of identity theft. Since Ive made several attempts to contact these agencies to have it removed ( the items ) as of yet they havent complied. So my next course of action is legal after these steps The following accounts : XXXX XXXX XXXX, XXXX, XXXX ( which is an eviction for an apartment which Ive never lived at or in ), XXXXXXXX XXXX XXXX These items do not belong on my credit report in accordance with FCRA THEY ARE IN VIOLATION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM INC Claims it is owed XXXX for an account opened in XX/XX/year>. I have never opened an account with them and have no knowledge of this account or balance. 
Att was paid off entirely a long time ago. 
Disputes have been opened to correct this yet it has not been properly updated to reflect a 0 balance and remove from record. This is false and misleading info

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 2024-12-04 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-04 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This morning, I noticed unauthorized inquiries on my credit report, which I can not explain. My routine check revealed these unexpected discrepancies, and refreshing the browser didnt helpit wasnt a glitch. Im deeply frustrated and insist that you carefully review the documents Ive sent to resolve this once and for all.

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 2024-12-04 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I deposited {$100.00} with Coinbase.com in XX/XX/2018 and have some small XXXX  amounts and since then they held my account hostage. I can not buy or sell or transfer my money and XXXX. They have my account restricted. I have emailed them countless times throughout the years and got nowhere. They asked for Id verification which I uploaded to them on 3-4 occasions. For an institution that deals with money they are impossible to contact. Its been 6 years and my account is still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Company continue to post inaccurate information on my credit report that was fraudulent open and belong to someone else

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 2024-12-04 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. The account in question is XXXXXXXX XXXX XXXX XXXXXXXX date opened is XX/XX/XXXX. Since charged off the date of last activity has be inconsistently updated across all three credit reporting agencies, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
I recently viewed my credit report and noticed some unfamiliar accounts on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I do not recognize these accounts and believe them to be fraudulent. please remove/delete these accounts immediately.

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