vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2024 To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for XXXX from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/2024. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
Was victim of identity theft, follow up with XXXX  to remove there inquiries ( late payment, collection ) to my credit report till now XXXX XXXX does not neither stop report me nor remove those inquiries to my credit file.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Was victim of identity theft, follow up with XXXX  to remove there inquiries ( late payment, collection ) to my credit report till now XXXX XXXX does not neither stop report me nor remove those inquiries to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Accounty Number : XXXX Account Name : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Accounty Number : XXXX Account Name : XXXX XXXX XXXX  XXXX 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IL

Complaint narrative:
I submitted XXXX disputes for wrong name and it always comes back as verified or this credit agency is requesting additional documents. Additional documents were attached with the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed out of {$370000.00} in fruadulent foreign exchange transactions

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 2024-12-05 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: NY

Complaint narrative:
On XX/XX/year> I requested an investigation of my credit file because I felt the item was not being reported legally. On XX/XX/year> I received a letter stating the investigation was complete and the following items had been verified. Since Im concern about the practices of credit reporting agencies using service like E-Oscar & Pacer to verify information I need you to please answer the following question : Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. As required by FCRA. 1.Who did you speak with?

2.What was the date?

3.How long was the conversation?

4.What was their position?

5.What number did you call?

6.What is the name of your employee that spoke directly to the creditor?

7.What is the position of your employee that spoke to creditor?

This inaccurate reporting has caused me SEVERE financial and emotional distress & Id like this matter resolved immediately. Please reply within 15 days to the above question or delete the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV FUNDING claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is the only bureau reporting on this account ; XXXX and XXXX are missing. 

They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as LVNV FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom it may concern, Re : Dispute of Inaccurate Reporting Account XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the information reported by XXXX XXXX and XXXX ( account number ending in XXXX XXXX XXXX  XXXX ) that appears on my Experian credit report. I believe that the information reported is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I request immediate action to remove this information from my credit file. 

According to my records, the balance on this account was charged off on XX/XX/XXXX, and the debt was sold to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Furthermore, on XX/XX/XXXX, XXXX XXXX XXXX relieved me of any further obligation to this debt and closed the account. 

However, I have discovered that this account continues to show as a balance owing to XXXX XXXX XXXX XXXX {$4100.00} on my Experian credit report. This is a clear violation of the provisions under the Fair Credit Reporting Act, specifically : 15 USC 1681e ( b ) Requirement of accuracy in credit report information 15 USC 1681i ( 5 ) ( a ) Duty to correct or delete inaccurate information Despite my previous attempts to request deletion of this incorrect information from my credit report, Experian has not responded appropriately. Experian have indicated that this account was " verified, '' but based on the above facts, it is clear that this information is inaccurate and needs to be removed. Other inaccuracies include late payments in XXXX of XXXX of 60 days late to 120 days late in of XX/XX/XXXX which is only 30 additional days and it was true would be 90 days not 120 days, I have given Experian 4 attempts to correct these inaccuracies. 

Therefore, I am requesting that Experian remove this account from my credit report in its entirety, as the debt has been sold, and I no longer owe any obligation to this account. Should Experian fail to delete this information from my report, I will be forced to take further action, including pursuing monetary damages for the continued inaccurate reporting under the provisions of the FCRA. 

Please treat this letter as a formal request for the immediate removal of this account from my credit report. Under the Fair Credit Reporting Act, I expect to receive a resolution within 30 days of receipt of this letter. 

If you require any additional information to complete your investigation, please let me know immediately. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit 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: Chime Financial Inc
State: CA

Complaint narrative:
There has been a total of {$260.00} of fraudulent charges by the Company named XXXX XXXX XXXXXXXX on my Chime credit card. Chime has refused to share any information outside of a list of the transactions and a questionnaire list of how it was deemed that no billing errors accorded, how I have replaced my card 3-4 times this year for the same reason fraudulent charge, how chime continues to allow that company to still charge my different replacement cards despite several disputes regarding the transactions from that company as fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
On the XXXX of XXXX, XXXX, I was contacted by Coinbase that my futures liquidation buffer dropped below 100 % and was likely to be liquidated if I didn't add more funds to my account. I decided not to close my position ( XXXX contracts ) but to sell XXXX contracts. However, this move caused my Futures account with Coinbase to freeze, making me panic and need help immediately. I looked up the Coinbase Customer Service number and found ( XXXX ) XXXX, a readily available Coinbase phone number that I called. The receiver of the call confirmed that he was a Coinbase Customer Service Representative and promised to help. He then asked me to download the app 'AnyDesk ' which he had me download to my computer. Once I downloaded the app the Customer Service person was able to access my Coinbase account while I was at my account. He immediately took over and bought XXXX debiting {$5000.00} from my local Bank XXXX XXXX XXXX XXXX  ) which I did not authorize. He said that I shouldn't worry because Coinbase was not going to debit my Bank account and that it was for him to be able to fix my Coinbase Futures freeze/problem. He said that he had to do this to unfreeze my XXXX account and no money was to be debited from my Bank account. He further sent me an address to send the XXXX claiming that it is my XXXX XXXX XXXX address. I believed him thinking he was a Coinbase Customer Service. After everything, my Bank account was debited {$5000.00}, I never got anything done to fix my Coinbase Futures problems, and my Coinbase account was used by that Coinbase Customer Service person to use my money to buy XXXX and transfer the Bitcoins to an outside Wallet, not my XXXX  XXXX, as he said. 
I did file a complaint with the XXXX portal ( FBI ) and soon after I filed the complaints, I noticed that Coinbase removed the phone number ( XXXX ) XXXX from its published Customer Service contact numbers. However, I saved a screenshot of the number as evidence, just in case I need it. It makes me feel like this scam is an internet Fraud originating internally from Coinbase insiders. 
I contacted Coinbase but they said that I could not get my money back.. I need my money back. {$5000.00} is a lot to lose to scams inside the workings of Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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