vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-17 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$770.00}, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$410.00}, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.

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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I purchased a small amount of cryptocurrency from Coinbase.com about two years ago or so. I lost access to the account once because I didn't remember my password and had to follow their steps to regain control ( to include taking a photo of the front and back of my license and to take a selfie so they can confirm I am truly the account holder ). The first time I did this it took a few days but I was able to get back into my account. 

Recently I tried to access my account so I can complete my taxes. I was not able to gain access so I followed the steps as before. However, this time, no matter how many times I took a photo of my license I would instantly get a message that said the system could not confirm it was me. I called their customer service line a few times and the people who were helping me said they would manually review my documents when I forwarded them, to include the selfie I sent. 

Each time I sent a photo of my license, which was crystal clear ( I used my straight out of the box XXXX XXXX phone to take the photos and it is known for its picture clarity ), the system would not let it go through so the staff weren't able to verify the information. It literally gave me the instant message that it could not confirm me. If someone is manually reviewing the documents it could not possibly have gone that fast. 

Further, according to the last staff member I spoke to, because of this issue there is literally nothing I can do to access my money. I know it's a nominal amount because I have not been in the system for quite a while. I find this practice questionable because the issue is with their platform that won't let me in, not with the documents I sent. 

I understand and very much appreciate the safeguards Coinbase.com has in place to avoid fraud because of all the issues around cybercrime today, but I didn't do anything different this time to get reconnected than I did last time. I do not feel like this is my fault and would like it resolved. 

Ultimately I would like to cancel this account immediately if at all possible. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/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 2023-04-17 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$1500.00}

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 explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} XXXX US DEPT ED XXXX Balance Owed : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I submitted An investigation With XXXX Equifax And XXXX for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.

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 2023-04-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$7100.00}

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
Lloyd & McDaniel, a collection agency, filed a lawsuit against me in XXXX. XXXX in XXXX XXXX. 

At that time, I contacted them via phone and made a verbal agreement to pay a specific amount. I made every payment ( sometimes more than required ) monthly. 

They sent me a document in the mail stating that I was required to sign, but the language used in the document indicated that I was agreeing to a court judgement, which had not been made as we had not gone to court. It also added court costs to the payment schedule, which I do not recall agreeing to. I was informed by a legal advisor through my job to not sign, as no court judgement had actually been made, and in signing the documents I would be agreeing to tactics that would not normally be used without a court order. 

As stated, I made payments monthly. 

Recently, I found out I would have to have XXXX for XXXX, and have to take time off work. While out on XXXX XXXX XXXX, my pay would be significantly less. I asked if I could take a hiatus from payments. This request, made through multiple calls, as I could not reach the correct person for several attempts, was made XXXX XXXX. The response was 'no '. They said they would delete the payment schedule, instead. 

In the meantime, my local court sent a notice to dismiss the lawsuit due to lack of prosecution. In response, the company then sent a notice ordering the case stay active in the docket. In this notice, it claims that the " Plaintiff has not received any response from the Defendant to the Complaint filed in this action. '' This is absolutely incorrect. I have made payments regularly through their telephone system, often communicating with a person to make the payment. I called in late XXXX to discuss the financial situation. Essentially, they appear to be lying to get the case to remain active. 

They are requesting a default judgement, according to the document. Again, I have been making payments, and communicated with them. There is no default. 

In essence, the company has tried to get me to agree to a judgement that would give them powers only a court can give, and has sent a false statement to the court. 

I have screenshots of the dates, times, and lengths of my calls to them in XXXX. I can retrieve earlier call records, if needed. I have taken photos of the documents in question. I am unable to load them at this time, my phone does not want to upload. Will attempt again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: SD

Complaint narrative:
On XX/XX/XXXX I checked my emails and I found in my spam mail a collection notice from ERC a collection company out of XXXX Florida. 
Again XXXX XXXX is trying to use these third party collection agencies to collect the wrong amount. 
I never received any correspondence in the mail from XXXX XXXX in relation to any invoice that showed a balance due and or any merchandise received. 
This activity needs to cease from XXXX XXXX and they need to quit hiring these collection agencies to collect the wrong amount on a debt I assume no ownership or claim any responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-04-17 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: LA

Complaint narrative:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly remove these items ASAP. Thank you. 
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 2023-04-17 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-17 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.

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