vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize some accounts on my credit report, these accounts are reporting redacted account numbers, I have called each creditor asking for evidence of my application and they tell me they can not send me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't recognize some accounts on my credit report, these accounts are reporting redacted account numbers, I have called each creditor asking for evidence of my application and they tell me they can not send me that information.

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 2024-11-15 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report due to a data breach in which my personal information was compromised. As a victim of identity theft, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : 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 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This complaint is that Equifax removed and then re-entered excess, abusive, and fraudulent collections from XXXX XXXX. The report also exceeds Statutes of Limitations. 

XXXX pulled my credit reports and found that they contained lots of fraud. 
This included Equifax Report Confirmation XXXX XXXX wrote a letter to Equifax disputing the fraudulent reports. 
This included XXXX XXXX, a report from XXXX. 

XXXX created a report with IdentifyTheft.gov, which included the XXXX XXXX. 

XXXX This Equifax report shows XXXX XXXX  removed. Report Confirmation XXXX I received zero dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX This Equifax reports shows XXXX XXXX  removed. Report Confirmation XXXX I received zero dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX Equifax Re-entered the XXXX XXXX  on my reports. 
I received zero dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX I sent Equifax a second, follow-up dispute letter about XXXX XXXX  disputing demanding method of verification. 

XXXX Equifax entered into XXXX XXXX the XXXX XXXX. 

The other credit bureaus have removed these collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus by goldman sachs has my high yield savings accounts. XXXX has my checking account. On a weekly basis, money was being withdrawn from my chase account and being sent to the Marcus account. Three separate checks were sent from chase to Marcus that were never deposited by Marcus. Two ( 2 ) checks in the amount of {$100.00} and one ( 1 ) in the amount of {$500.00}. So the total of {$700.00} was removed from my XXXX account and never deposited in my Marcus account. Further scheduled deposits, after these three checks were sent, were sent and received by Marcus so I filed a dispute. Marcus then withdrew two ( 2 ) checks in the amount of {$100.00} and one ( 1 ) in the amount of {$500.00} from my savings account and issued me a check. The check they issued me could not be cashed so I am now down the {$700.00} withdrawn from my chase account and {$700.00} withdrawn from my Marcus account. I made new accounts with Marcus and put locks that no further withdrawals should be made from my existing Marcus accounts. Further withdrawals were made and then my entire Marcus account has been locked. So now I am down {$1400.00} and can not log into my account to access any of the funds in my savings account. I called immediately when I found out my account is locked to find out why and how long and they said 7-10 business days. It's been over three weeks and they have not given me any updates about how to unlock my account and access my funds. They have all of my money and are not letting me access it despite the dispute only being about {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I have been trying to get into my coin-base account. I have been denied access because they say I have " reverify '' my identity. 

I have done this once before after putting in my ID and password, and this year they denied me access again and I can not trade, add or take cash out of my XXXX account. 

I sent my XXXX XXXX ID ( Front and Back ) and even used their mobile app since they won't accept my ID on my computer. I tried to contact them several times since XX/XX/year> and they said they would get back to me via a computerized text. 

They have not gotten back to me and I don't know why they don't. No one has tried to help me, nor do they have a real person to talk to. As a result my XXXX account has been locked and even when I supplied my ID license, which is how I originally opened my account is continuously being locked and being asked to re-verify my information. 

This is getting very tiring and exasperating. They require more information than a bank and even though I have gave them my Gov't ID and taken my picture via their app they still won't let me have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
A fraudulent credit card was taken out in my name. 
My XXXX score dropped. The account was a credit card opened overseas and its fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging 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 non-monetary relief
Consumer complaint received 2024-11-15 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
Transunion has violated the Fair Credit Reporting Act by not having my written permission to furnish any derogatory mark that it has furnished on my credit report. ; according to 15 U.S Code 1681 ( b ) - Permissible purpose of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, By the written instructions of the consumer to whom it relates. I did not give Transunion or professional debt mediation # XXXXXXXX XXXX XXXX XXXXXXXX permission to furnish any derogatory marks on my credit report. Also, under 15 U.S Code 1681c- Requirements relating to information contained in consumer reports, except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my credit report, and no derogatory item should be on my report. All consent Verbal, non-Verbal, or implied is revoked. 15 USC ( b ) ( c ) states that A Financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained to how the consumer can exercise that non-disclosure option, which i was never given by professional debt mediation # XXXX, XXXX # XXXX, Transunion or any other credit agencies. Also, the law clearly states it is illegal to report Financial transactions per 15 USC 1681a ( 2 ) states that it's illegal to report information about transactions or experiences between a consumer and the person making the report I am referring to are professional debt mediation # XXXX, XXXX # XXXX, any charge offs or collections are considered financial transactions. Also, there are many inaccuracies on my report like several un-mailable addresses and incorrect [ hpne numbers. uFCRA this is also a 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 2024-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Bought camper paid down payment XXXX never applied to loan the took the money slide would not open on camper and camper malfunctioning they were un abele to fix it stuck XXXX  told the to return it they picked it up said they were paid in full with full refund charged it off deputed on credit files all 3 on was removed alliant came and took the camper voluntary surrender camper un livable poorly built malfunctioning electricals issue 's un abel to drive fuel or open slide unlival faulty products issues un able to live in unit had to stay in hotel for 18 months please remove all charge of from all XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type XXXX  Original Creditor Name - Months Reviewed 18 Activity Designator - Terms Frequency MONTHLY Term Duration 240 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$67000.00} Credit Limit - High Credit - Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT XXXX XXXX For questions regarding this account please contact : ALLIANT CREDIT UNION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report that have resulted from a recent data breach, in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : 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 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 explanation
Consumer complaint received 2024-11-15 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: MS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief