vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consume reporting agency can not furnish a account without mt 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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report from May 2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act.

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX for {$88.00} XXXX. XXXX XXXX XXXX XXXXXXXX for {$100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unnamed medical account XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-06-01 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: TX

Complaint narrative:
On XXXX/XXXX/2022, I sent Experian and XXXX letters to dispute inaccurate information on my credit report and demanding verifiable proof that they have on file. Once 30 days went by, and I realized I did not receive any proof that I requested and those negative items were still showing up on my report, I decided to submit this complaint. On XXXX/XXXX/2022, I also sent a letter to the above mentioned bureaus letting them know that I did not receive a response as requested and that I would be submitting a complaint to the FTC. Please see the accounts listed below : - XXXX  Account Number : XXXX - XXXX XXXX Account Number : 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 2022-06-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-01 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01 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: FL

Complaint narrative:
I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on expirian XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately

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 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Case Number : XXXX On XXXX XX/XX/22 I discovered Citi rejected on dispute WITHOUT letting me respond due to not having much detail on the product. I then submitted my response letting Citi know the detail. However, Citi refused to reopen the case violating my rights to dispute. Even though my dispute had to deal with NOT receiving the product. Here are the facts. XXXX, XXXX, transaction date XX/XX/22 and {$1400.00} According to my records, XXXX  submitted documentation alleging that I have received the product. However, this is not the case. Your department claimed they could not act because they did not have an accurate description. This is untrue and the evidence clearly shows these were sent to an address that is unknown with no signature evidence. Here are the details you are looking for : 1 large duffel bag, 1 Leather care kit, 1 leather cleaner, 2 Mens cedar inserts, 1 boots socks and 1 pair of boots ( the dillon ) size 12-d The evidence in fact shows I was defrauded. No one received the product that was authorized. Under the Fair billing and credit act would like to open the dispute. Further, I would like to point out no proof of delivery was provided besides a XXXX XXXX tracking number that was shipped to a unknown location.

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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc account to fraudulent investment firm ( s ) via my Coinbase USDT wallet. I also made deposits for a total amount of XXXX USD from XXXX to the fraudulent investment firm ( s ) via my Coinbase USDT wallet, for a total of XXXX USD. These funds were transferred from the wallet to an address unknown to me without my authorization. 

On XX/XX/XXXX, I emailed a Demand Letter ( dated XX/XX/2022 ) to Coinbase Inc per XXXX XXXX. On XX/XX/XXXX, Coinbase Support responded ( Case # XXXX ) that " All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information about ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. '' On XX/XX/XXXX, I emailed a Rebuttal Letter ( dated XX/XX/2022 ), to Coinbase Inc. Coinbase Support responded ( Case # XXXX ) that " Due to the irreversible nature of cryptocurrency protocols, transactions can neither be canceled nor reversed once confirmed on the blockchain. It remains the customer 's responsibility to review the details of the dapps they interact with and understand the risk when interacting with them. We recognize the difficult position this puts you in, but we can not reimburse or credit your wallet. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP im extremely frustrated.

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 2022-06-01 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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

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 2022-06-01 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: AZ

Complaint narrative:
I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : EQUIFAX Collection : XXXX XXXX : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: AZ

Complaint narrative:
I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection : XXXX Balance : {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX  Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters to the bureaux and creditor about one month ago and there's no 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 2022-06-01 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: FL

Complaint narrative:
I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Transunion XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately

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 2022-06-01 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: FL

Complaint narrative:
I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX Equifax XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately

Company response to consumer: Closed with explanation