vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX today I want into bank location Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is Phone : ( XXXX ) XXXX today make a withdrawal and a deposit and they told me they couldn't do both my account was supposed to be closed out and they ask if I know if it was supposed to be closed out I say no and I ask them to print out the letter but they couldn't and I ask for a date when it will be closed out but they couldn't see a date on the letter they told me I want y'all to keep my account open I didn't do nothing wrong to have my account close out or verify if my account will be closed out if so when what date if not get it fixed and tell the bank it won't be closed out if it will be closed out let me get all my funds out my account in person or send me a check with all my funds and plus any credits I get to the accounts and deposits to the account and also add my welcome new customer bonus to my account for {$300.00} I never got to my account yet and send that to me in the mail by a check or allow me withdraw it out in person and allow me to do withdrawal and deposit before it get closed out if it true and also close out my saving account and checking account automatically and my ssn is XXXX my address is XXXX XXXX XXXX XXXX Pennsylvania XXXX you can contact me at XXXX etc.

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 2025-01-30 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX, Nh ( XXXX ) XXXX -WFBNA-Wells Fargo ( never heard of them ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Nh ( XXXX XXXX XXXX XXXX Did not authorize to go against my credit nor warned!

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, XXXX, and XXXX breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting 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:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and XXXX breach.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I transferred {$3000.00} from my XXXX XXXX  account to Coinbase. This transaction was made under coercion as part of a fraudulent scheme. I immediately reported the fraud to Coinbase, requesting that the funds be retrieved or returned. I have reached out to the police department who referred to the FBI. I can provide any documentation upon request. 

Since then, Coinbase has engaged in delays, evasions, and obstruction. Despite multiple contacts via chat and phone, I have received no concrete resolution, timeline, or meaningful response. Their representatives repeatedly request the same information, stall with internal investigation claims, and fail to take appropriate consumer protection measures. 

Furthermore, Coinbase locked my account, preventing me from accessing my funds or engaging with their support team. Their refusal to act contradicts their own fraud policies, as they have the ability to track transactions and assist in the recovery of stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: PA

Complaint narrative:
Attention Edfinancial Services XXXX Account # : XXXX Please read the attached document. 


XXXX : The last option on CFPB questions did not quite match, however, I chose the best option to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Modern Adjustment Bureau
State: TX

Complaint narrative:
Modern Adjustment Bureau is is inaccurately report a debt of {$7500.00} with an age of account of XXXX  months. 

This account was closed with the original creditor in XXXX  with a balance if {$4000.00}. 


I have disputed several times and creditor will not provide information to the sell and balance if vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: RS Clark and Associates, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX Tx XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX  : 1. Conduct a thorough reinvestigation of the
following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB Given the recent CFPB findings, | expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: VT

Complaint narrative:
I am writing to issue a complaint against Discover Card for an erroneous credit score report. I recently applied for an additional credit card through XXXX XXXX and was denied due to delinquent payment report from Discover Card. I do not own a Discover Card. 

I requested a credit history from XXXX and XXXX only to find out that my ex-wife had opened a joint account in XXXX. I started divorce proceedings in XXXX and was divorced in XXXX. When she relocated to Florida she took the card with her and changed the address. I had no knowledge she was using this card or that my name was attached to the account. She continued charging on the card and making payments until her death in XX/XX/XXXX, leaving a balance due of {$7.00}. I have never received any correspondence regarding this account though they claim I am the primary. Had I known this card existed, I would have cancelled it. 

I have spent many hours on the phone with Discover relaying this information, but their standard statement is, you are the primary. They have no record of who actually took out the card back in XXXX. If they cared to check ( or could ) they would not find any charges by me either. I have since payed the balance due and cancelled the card. Unfortunately that is not enough to change the status from Discover as a delinquent card holder. Although I have explained all this to XXXX, this delinquency will stay on my record until XXXX, unless Discover changes it. I have added a clause to my record detailing this situation in hopes that it will help nullify the damage. I will be adding this same clause to the other credit bureaus as well. This account was NOT my responsibility in any way, shape, or form. They are totally unreasonable. 

I can provide divorce papers, my ex-wifes death certificate, or any other documentation you require to help rectify this situation. Until now I have had a flawless credit history with no delinquency on any mortgage, car loan, credit card, or any other financial responsibility, ever! This will affect my credit status in every facet of my life ( and my wifes ) including relocating, credit applications ( already occurred ) car/house insurance ( due in XXXX ) and many others. 

Im hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-30 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: TX

Complaint narrative:
Ive asked for experian to explain how is identity verification done at the time these accounts were open. At one point I had people staying with me where my computer was accessed that is also linked to my phone number. I did not open these accounts. information used to open these accounts was stolen. I did not sign anything. My credit is suffering.

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 2025-01-30 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX 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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX {$0.00} & XXXX XXXX XXXX XXXX Balance {$5800.00}

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 2025-01-30 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXXXXXX XXXX {$0.00} & XXXX XXXX XXXX XXXX Balance {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
My personal was stolen and accounts were opened as a result that I had no knowledge of. The following account are ; XXXX XXXX XXXX, total debt {$15000.00}, date opened XX/XX/XXXX ; XXXX XXXX, total debt {$26000.00}, date opened XX/XX/XXXX. I reached out to these finance companies to resolve this issue, asking them to remove these fraudulent accounts. Per section 15USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit in XXXX  days.

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 2025-01-30 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:
My personal was stolen and accounts were opened as a result that I had no knowledge of. The following account are ; XXXX XXXX XXXX, total debt {$15000.00}, date opened XX/XX/XXXX ; XXXX XXXX, total debt {$26000.00}, date opened XX/XX/XXXX. I reached out to these finance companies to resolve this issue, asking them to remove these fraudulent accounts. Per section 15USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit in XXXX  days.

Company response to consumer: Closed with non-monetary relief