vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-02 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-02 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have unauthorized inquires on my credit report. 

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 explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
I have unauthorized inquires on my credit report. 

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 explanation
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
There was a XXXX XXXX account opened without my knowledge or authorization and transunion refuses to remove it from 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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) XXXX XXXX is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
XXXX XXXX  has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

BANK OF AMERICA I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I was talking to what I thought was valid CoinBase employees. Within a couple hours of talking to them about recovering some coins that were " lost '' in the cloud, they somehow got into my regular CoinBase account that had over XXXX various coins totaling some $ XXXX today 's value. From XXXX XX/XX/XXXX to XXXX they managed to move all those coins out to a XXXX account. Coinbase can't track but were able to provide me the transaction history that took place to steal my coins. 

I am XXXX and this was part of my retirement. These people were XXXX dialect, just as it most all of Coinbase employees, so I assumed they were valid. 

I have names and phone numbers of XXXX men I talked to in this process. 

I contacted the DOJ who filed an IC3 report for the FTC and FBI. I have a case number for that but have not heard back from any agency. 

Is this something our agency can help for me to recover these missing coins.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Conn's, Inc.
State: TX

Complaint narrative:
It has come to my attention that CONN APPLIANCES INC Management are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
It's already been 2 months my Sofi account has been frozen I talked with them to many times and they doesn't provide fix dates to slove my issues. I have XXXX in my bank and I can not withdraw or use my funds from my account it doesn't let us use the card or account in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
I have been trying for over a year to fix this issue with Equifax and have done everything that have asked me to do and they have done nothing to fix me issue. They continue to just give me the run around and blame my credit card company when it seems so obviously to me a breakdown in there organization. Very simply, I have a XXXX XXXX Credit Card ( acct ending in XXXX ) that I have had for 16 years. They have been reporting to all three credit reporting agencies ( Equifax, XXXX and XXXX ) monthly. Equifax denies that they are getting info from XXXX when I know this is not the case. XXXX months ago I added my younger brother to the XXXX credit card as an authorized user XXXX started reporting him as well and his info is showing on his Equifax report. Clearly Equifax has a glitch of some sort that needs to be resolved. but in the meantime, my credit score is being impacted, Please help me in getting this in someone's hands that will help. I've sent them bank statements, my driver 's license, and any thing they've asked for to no avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I keep getting billing statements and collected interest while the Servicer is delayed on completing my student loan lower payment application. The Delay is not caused by borrower but by Servicer to complete my loan payment application. Servicer said it would be completed around XXXX but it is XXXX and not yet completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MO

Complaint narrative:
I have sent XXXX several letters and proof of the inaccurate information reported on my credit profile and they refuse to change it. This has dropped XXXX points off of my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
Hi, My name is XXXX XXXX, I currently have a loan with XXXX XXXX XXXX XXXX  since 2018. My home flooded on XXXX. To my misfortune, I have mold, asbestos and the loss of my personal belongings. I started receiving checks from my insurance company ( XXXX XXXX ) in XXXX. 

Ive been in constant contact for months with XXXX XXXX XXXX XXXX  regarding my loss. I endorse all the checks and XXXX XXXX XXXX XXXX has had them in their possession since the end of XXXX. Ive done everything the insurance company and my mortgage required me to do. I have a contractor who is ready to work. To date, my home hasnt been repaired. 



I have been misinformed by XXXX XXXX XXXX XXXX regarding how the funds are being released. On XXXX XXXX, I sent all the estimates for the repairs but were denied. My contractor, XXXX and I called XXXX XXXX XXXX XXXX  on XXXX around XXXX, I was told, she did not see paying XXXX percent payment to the contractor because it was not a big loss ( see attached ). I called today, XXXX, and spoke with XXXX ( XXXX ). I asked to speak to a supervisor, this will take XXXX to XXXX days. I called again @ XXXX to inquire about the estimates I submitted on XXXX, this will take XXXX to XXXX days for a review. Now, Im told only XXXX percent will be released to the contractor. I called back today @ XXXX and asked for this information in writing. Again, I am misinformed and stonewall. Calling numerous times, I always receive a different reply or answer. I honestly believe this is done intentionally. I want to move forward getting my home repairs done. 

XXXX XXXX XXXX XXXX  is creating hardship for me and my family. My overall experience with XXXX XXXX XXXX XXXX has been a disappointment with service, unprofessionalism, and unfair practices. 

--

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
REAL TIME RESOLUTIONS, INC XXXX XXXX XXXX XXXX, TX XXXX
PAYMENT RESOLUTION DEPARTMENT, XXXX XXXX
WE ARE NOT BEHIND IN ANY PAYMENT.   SEE ATTACHED ALL PAYMENTS MADE TO YOU AND TO XXXX THE PRIOR SERVICING AGENT.  IF YOU FOLLOW THE PAPER TRAIL YOU CAN SEE THAT: XXXX WAS PAID XXXX ON XX/XX/XXXX 
REAL TIME WAS PAID XX/XX/XXXX ON XX/XX/XXXX
REAL TIME WAS PAID XXXX  ON XX/XX/XXXXREAL TIME WAS PAID XXXX ON XX/XX/XXXX
REAL TIME WAS PAID XXXX  ONXX/XX/XXXX
REAL TIME WAS PAID XXXX  ONXX/XX/XXXX
REAL TIME WAS PAID XXXX ONXX/XX/XXXX
WE ARE FILING A COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BOARD
CFPB.GOV/
WE DO NOT OWE YOU XXXX  AND WE ARE NOT BEHIND AND WE DO NOT OWE XXXX IN LATE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
There have been multiple hard inquiries to my credit report that I did not approve, authorize or make myself. These inquiries appear to be fraudulent or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
A scammer on XXXX  who identified himself as a real XXXX writer and XXXX volunteer, gave me the contact name and PayPal account of another scammer on PP to send donations. XXXX XXXX XXXX, using tag XXXX. 
Once I discovered the scam, on XX/XX/XXXX, I notified PP in a phone call with XXXX. PP was also notified by a volunteer group on XXXX, XXXX XXXX that investigates reports of fakes or scammers. This notice was sent on XX/XX/XXXX I tried repeatedly to get PP to refund the {$100000.00} and they have acknowledged I was taken advantage of in an internal message to me. I have sent letters to PP Legal, phishing, and security and notified the FBI, FTC, SEC, and local police, and will send this same message to every XXXX in the XXXX. 

This XXXX XXXX account is still active on PP, when I checked today, XX/XX/XXXX All details are in the pdf packet I will upload. 

You can reach out to XXXX, a volunteer group on XXXX who research complaints from users and post alerts following their investigation and due diligence validation. They notify XXXX security, PayPal, FBI and EFCC as appropriate. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : Transunion reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.

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 2024-04-02 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: GA

Complaint narrative:
I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
Equifax reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
I have unauthorized inquires on my credit report. 

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

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 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-02 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: CT

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-04-02 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 did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.

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 2024-04-02 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:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief