vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
Inaccurate accounts, reporting on 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 explanation
Consumer complaint received 2024-02-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ive filed multiple disputes requesting deletion of this account and for form 1099c. This account is currently reporting as charge off to my credit file. The way charge off is understood is an accounting event has taken place on the account. Under Equifax FAQ they define charge off. 
-A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 
So what accounting event has taken place with this account? XXXX is reporting as a charge off but has yet to state in any company responses what accounting event has taken place. So since the company has not complied with my demands Ive submitted a tax fraud referral to the IRS regarding this account. The case reference number is XXXX. Ive submitted all disputes to the IRS requesting form 1099c. Im also requesting the public and private accounting records. I will also submit this complaint to the XXXX  and the state attorney general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the XXXX, XXXX, and Equifax has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the Experian, XXXX, and XXXX has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. 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 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 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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: PR

Complaint narrative:
I contacted to validate information more than 45 days ago and they have not given me information. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 inquiries on both my Equifax and XXXX credit report that I did not authorize my report to be reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: PR

Complaint narrative:
I received a letter saying that I have an alleged debt, I wrote to them to validate the debt and they have not responded to me, there have been several attempts. I have rights and they are not respecting them. It's been more than XXXX  days and XXXX validation attempts. 

Radius Global Solutions LLC In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is the second time my card has been used for FRAUD and wells fargo has denied both of my claims. SCAMMERS CAN EASILY STEAL YOUR CARD INFORMATION AND CREATE ANOTHER TO STEAL YOUR MONEY!!! THIS HAS HAPPENED TO ME MY ACCOUNT HAS BEEN USED FOR ONLINE PURCHASES AT XXXX AND XXXX AND WELLS FARGO DID NOTHING BUT DENY MY CLAIM THE DAY AFTER I FILED IT!! THIS IS FRAUD AND AS A FIRST TIME CUSTOMER I DO NOT FEEL PROTECTED. I WILL BE CHANGING BANKS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint serves as a formal appeal for the removal of remaining fraudulent entries from my Experian credit report, specifically to eliminate an unauthorized credit inquiry and an inaccurate address currently listed. Upon reviewing the most recent copy of my credit report provided by your bureau, I identified that both the unauthorized inquiry and the inaccurate address remain unaddressed. The details of the items in question are as follows. 
EXPERIAN : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX XXXX XXXX CO XX/XX/2022. In line with the Fair Credit Reporting Act, I urgently request the immediate elimination of the unauthorized inquiry and the rectification of the inaccurate address mentioned above. Additionally, I request that a revised copy of my credit profile be dispatched to my provided address. Should there be any findings suggesting the inquiry was authorized or the address was indeed associated with me, which I firmly contest as it has never been my address, I request a detailed explanation of the investigative process utilized, to be shared with me within 15 days following the conclusion of your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the bank over the phone. This non-compliance with the law is concerning. Under the Fair Credit Reporting Act, it is mandatory to promptly remove inaccurate and fraudulent information from credit reports. Yet, these accounts persist, undermining the reliability of the system. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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 am a victim of identity theft please remove this fraud inquiry 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 2024-02-22 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: VA

Complaint narrative:
This account is reporting fraudulently. This account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: PR

Complaint narrative:
1

5 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. I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX company is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT IDENTIFIER ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been XXXX occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than XXXX  days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require.

According to federal law I have the right to access all these documents. They have from XXXX to XXXX by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I'm a member of XXXX. On XX/XX/year> I took out a home improvement loan with Solar Mosaic in the amount of {$36000.00} and was left holding the bag for the loan due to their negligence and lack of checks and balances with the contracting company, XXXX XXXX. Mosaic allowed XXXX to get the money and work was not done. XXXX also lost their contractors license during the process. The loss and devastation I've incurred is immeasurable. As a result of this, I've been unable to pay my mortgage, due to loss of revenue from the XXXX. They cancelled XXXX of my loans. I want all loans cancelled as they have done for others!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: AL

Complaint narrative:
This account was opened on XX/XX/2022. It has a balance of {$2100.00}. I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt is fraudulent and inaccurate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with 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 submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is a continuation of a prior issue. I will provide the explanation here. I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from XXXX I no longer have an account number. I have tried to contact them and it's impossible to receive my money from Citizens bank. In the follow up with Citizens bank the said the money was surrendered to the State of Massachusetts treasury. I checked with the treasury and there is no money to claim. I believe Citizens bank made a false claim about the surrendered money. There is nothing in the records from the state about the money. 

This is now the third time filing a complaint. Once on XX/XX/XXXX and the other XX/XX/XXXX. They are filing responses that the money was escheated to the state yet withhold proof of this. Citizens bank is lying to me and the CFPB in order to not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This account was opened on XX/XX/2023. It has a balance of {$240.00}. I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt are fraudulent and inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I havent had XXXX in many years - A little over 4 years now. Where I live, XXXX isnt around, only service electric is. When I had comcast back then, everything was paid up to date!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I started receiving Coinbase verification codes via text message at XXXX XXXX  on XX/XX/year>. I never responded. I then received a phone call from XXXX at XXXX XXXX. It asked for me to enter the verification code that was texted to me. I did not enter a code and immediately hung up. The number called multiple times and I did not answer after the initial call. I ended up changing my Coinbase password and I still had access to the account at that time. I thought the situation was resolved at that point. Later that night, I started receiving other verification codes via text message for XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc. This concerned me so I decided to go on Coinbase and noticed the funds were gone. The selling of my XXXX holdings and the withdrawing of funds in the amount of {$2900.00} were never authorized by me. The reference code for the withdrawal with Coinbase is XXXX. The funds were sent to XXXX XXXX  and XXXX to an account ending in XXXX. The hacker did not delete the activity, so I was able to take a photo of it. The withdrawal took place at XXXX XXXX  on XX/XX/year>. 

I was shocked that Coinbase allowed my money to be stolen and I was never notified. They refuse to tell me the entire bank account number that my funds were transferred to. They also refuse to reimburse me for the amount they allowed to be transferred, even though their policy states that they will reimburse if the lost funds were due to fault in their security, which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I received an updated copy of my credit report, I noticed a few unauthorized inquiries. Equifax mortgage service on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation