vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX 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.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
TransUnion-Private Mortgage Reporting, Lender sent copy of contract, deed, closing statements in early XX/XX/2022 to all three Consumer Credit Reporting Bureaus . To add insult to injury they all send me notices I need a residential debt reported to boost my score to get another mortgage. Only have two credit cards, Paid off a 6 year truck loan and my score drops. So I found out what they required, lender called them and sent in. TransUnion keeps giving up the run around, regardless of calling or texting or written communications with the same address for written, same phone number for their experts in the matter. There is nothing clear on Private Mortgage Reporting, because it isn't part of the scam to charge the lenders reporting so I believe that want money from my lender? Why when its my credit score that is suffering from lack of Residential or Housing Debt on my report? Will you bring suit against Transunion and the other two Credit Reporting Companies as they will allow the " scumb bag '' collections companies to put negative information on your report for you to get off, they aren't so quick to put positive information on your report without getting PAID!

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contacted XXXX XXXX in XXXX to get a full day touring service, since my family and I were going to be in XXXX on XX/XX/2022 during XXXX cruise. I asked for a day transportation and services for XXXX guests in my group. Itinerary was drafted, i agreed to it and paid in advance for the day of service with my Wells Fargo Visa card, when we got there 50 % of the promised service wasn't provided, they charged me for entrance tickets and headphone for places we never got to, we were told they were closed. the entire trip was ruined, cause we all paid to spend a day in XXXX with all the good places that we wont be able to return and repeat. i came back asked the agent i was in touch with to credit me with the amount i was charged to places and items used that we never got the service for. he declined and stated i hope next time it's better service. i filed a dispute with WF waited for 6 month then came back with a decisions that they can't credit me the amount of XXXX. I contacted WF dispute dept again and again and again, spoke to so many people got the run around with no help at 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFPB, I have attempted on multiple occasions to resolve the matter with my mortgage company, XXXX XXXX. Negative late payments from XX/XX/XXXX to XX/XX/XXXX, during the COVID-19 Mortgage Moratorium, are incorrectly being reported to the 3 major credit reporting agencies by my lender XXXX XXXX XXXX  XXXX Based on the passage of the CARES ACT of XXXX, sec. XXXX and sec XXXX protects consumers under the Mortgage XXXX period. Additionally, my loans were also impacted by hurricanes XXXX and XXXX in XXXX and XXXX. 

The lender acknowledged and sent letters to consumers stating that they will not penalized borrowers whose income were negatively impacted during the hurricanes of XXXX, XXXX and COVID-19 in XXXX. However, they are reporting late payments on my mortgage loan XXXX from September 2021 month-end to XX/XX/XXXX during the period of the COVID-19 Mortgage XXXX. 

I would like to ask the CFPB to assist me in getting the lender to remove all negative late payment history at the XXXX major credit bureaus on my XXXX XXXX  mortgage account XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Thanks in advance for your assistance with this important matter. 

Regards, 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 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXXXXXX XXXX PST I received an email from " Coinbase Support '' informing me that there had been a suspicious login attempt on my account ( see attached email from " Coinbase Support '' ). Upon receipt of this, I tried to open my coinbase wallet, but was unable to do so as it would not accept my PIN. I then replied to this email at XXXX XXXX  PST ( see attached email from me ) giving the information requested. On XX/XX/2023 at XXXX XXXX PST I received another email from " Coinbase Support '' again informing me of the attempted suspicious login and telling me what to do in order to have my account secured ( see attached email from " Coinbase Support '' ). On XX/XX/2023 I followed the instructions in the email and created a new Coinbase wallet using a recovery key provided in an attachment to the aforementioned email secured by the last six digits of my SSN. Since it had been secured with my SSN, I had no doubt that it originated from Coinbase. I also discovered that, following my corespondence with " Coinbase Support '', I could now unlock my old wallet with my PIN. I then transferred the XXXX assets from my old wallet to the new one at XXXX XXXX PST. By XXXXXXXX XXXX PST, I noted that about half of my XXXX had been transferred out of the new wallet. A couple of minutes later, the remainder of the funds were drained as well leaving a balance of {$0.00}. I sent an email at XXXX XXXX PST to " Coinbase Support '' ( see attached ) asking them to advise me on what was going on asap. I also got on the phone with Coinbase Customer Service and explained the situation to them. They initiated the above case number and said it would be escalated to their security department. While I was on the phone with them, all of the emails from " Coinbase Support '' disappeared from my email account. The following day, I called my email provider and was able to recover the lost emails. I discovered that a spurious filter instruction, " Deliver to trash if 'From ' contains 'coinbase ' '' had been applied to my account. I immediately deleted the filter and changed the password to my email account. On XX/XX/2023 at XXXXXXXX XXXX PST I received yet another email from " Coinbase Support '' ( see attached ) requesting more information in order to aid with the investigation of my case. I called Coinbase Customer Service again to see if this last email was legitimate. I soon learned that it was from the same scammers. I was also advised to forward all of the emails pertaining to this matter to : security @ coinbase.com. I have copies of the blockchain transactions that I was able to download from Coinbase. Please let me know if these or any other data that I might provide that would aid in your investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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. 

Account XXXX XXXX XXXX : # XXXX 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.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

Account XXXX XXXX XXXX : # XXXX 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.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation

Complaint narrative:
First, the amount collected is not correct because the amount I stated in the order was not followed, there was overcharging of the amount. Secondly, the items I ordered didn't arrive but was replaced with another one not specified in my order. I called them and made a complaint about the order and even asked them where to return the items, they told me either to give it away or throw in the trash. They told me to specify what I ordered and submitted the list to their office. I waited for the response but it never came. What I did was to give the items to my friends because i didn't need them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep frustration with the ongoing issue of fraudulent accounts and inquiries on my credit report, despite my repeated efforts to have them removed. As you are aware, I have been disputing this fraudulent accounts for over 9 months now and they remain on my credit report. This situation has taken a significant toll on my mental health and well-being and has reached my breaking point. 

I have provided all of the necessary documentation and have followed all of the procedures required for resolving this matter, yet the information remains. The emotional stress and financial strain and burden of this situation has been overwhelming and I can no longer endure it. 

I am now seeking litigation and I believe that I am entitled to compensation for the time and effort I have put into resolving this issue, as well as for the damage it has caused in my life. I am confident that I have a strong case and I am fully prepared to pursue all legal avenues to obtain justice in this matter. 

I hope that you will take my request seriously and work with me to finally resolve this issue once and for all. I am eager to move on with my life and put this matter behind me, and I believe that the only way to do so is by having these fraudulent items off my report. 

I have incorrect personal information and incorrect and duplicate inquires on my credit report that have not been resolved!

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 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company response to consumer: Closed with explanation