vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: USA Cash Services Management, Inc.
State: CA

Complaint narrative:
I took a loan out in or around XX/XX/year> I had several hardships and am struggling to repay the loan. However the law permits the lender only two failed attempts to withdraw from bank and thats it they have made several attempts! Which creates many overdraft fees for me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc
State: NC

Complaint narrative:
2 Disputes were filed against the creditor for a debt that did not belong to me. I had submitted prof of residence in the state of NC in form of Tax documents that show proof of insurance in the state of NC for the year XXXX  and drivers license. The creditor twice has said the debt is mine. I have never been contacted by the creditor because I never lived in the state of Nevada. They have not shown prof that the debt is mine. Their tactic is to put the debt on someone who has a similar name, day of birth or a part of their social security matches the original debtor. They have not verify that the account is mine and I have not been contacted by the creditor even though my address, email and phone number are in my credit report. The creditor only wants someone to pay for the debt regardless of who it belongs to. They think they can bully me to pay a debt that is not mine because it causes issues with my credit worthiness and my ability to get credit or employment. They think I will just pay to make it go away. I wonder how many more people they have issued the same debt to collect multipole times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
XX/XX/XXXX : My Fiancee and I went to Green State Credit Union in XXXX XXXX to inquire about getting a Mortgage. 

We talked and decided to consolidate some credit first. We talked with their credit and loan officer. 

He got us each a new card mine with a {$6000.00} limit, he's with a {$3000.00} limit and he began transferring our balances. 

XX/XX/XXXX : I got my loan and card payoff information to Green State. 

XX/XX/XXXX : I received an email saying that a XXXX XXXX  balance was being transferred to my new card. I informed them that is my fiancees card and that I was expecting a transfer from a XXXX  XXXX XXXX. 

XX/XX/XXXX : They confirmed that they resolved the transfer issues. 

I checked and the discover balance is now on my fiancees card, but so was my XXXX  XXXX balance. 

XX/XX/XXXX : I called them directly and was assured the issue was resolved. 

XX/XX/XXXX : I was once again told they would resolve it. 

XX/XX/XXXX : Fiancee called and was assured it was going to be resolved the following day. 

XX/XX/XXXX : I informed them that my fiancees card is still over her limit due to my card balance being transferred to her card. He said he'll fix it Monday the XXXX. At this point it is now affecting her credit, and potentially the terms of the card agreement. 

XX/XX/XXXX He again confirms that the balance issue has been resolved. 

XX/XX/XXXX : As of writhing this her card is still over limit and the balance is not showing on my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. You must block and delete these fraudulent accounts from my consumer report within 4 business 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 non-monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
Subject : Disagreement with Experian 's Response - XXXX Dispute Dear CFPB, I am writing to formally disagree with Experians response regarding the issue with XXXX XXXX XXXX ( XXXX  ). Experian failed to ensure that XXXX completed the required information on the form I provided. It appears that Experian took XXXX  word at face value without verifying the details. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, which mandates that a claim be disputed and proper validation requested. This matter remains unresolved, and Experian is attempting to avoid responsibility by accepting false claims from XXXX without proper verification. Experian failed to have the debt verification form filled out which would clearly show XXXX false information. 

Moreover, XXXX is reporting an incorrect date for when the account was opened, allowing them to continue to unlawfully keep the account on my record. I will continue to file complaints until this issue is fully resolved and the necessary corrections are made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
Subject : Dispute Complaint Regarding Collection Account - CKS Prime Investment Account Number XXXX Dear cfpb I am writing to formally dispute the collection account referenced above, which has been inaccurately reported by CKS Prime Investment to the consumer reporting agencies. I do not acknowledge owing any debts to this agency and wish to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this account is being reported in violation of several consumer protection laws. 

1. Dispute of Debt I am disputing any and all debts claimed by CKS Prime Investment. I request that you provide validation of this debt as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Until this validation is provided, I deny owing any amounts to your agency. 

2. Lack of Validation Information According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency must provide validation information regarding a debt before it can report this information to a consumer reporting agency. CKS Prime Investment has failed to provide such validation, thereby violating my rights as a consumer. 

3. Denial of Dispute Opportunity Per 12 CFR 1006.34 ( c ) ( 4 ), I have not been afforded the opportunity to dispute this account properly. The failure to provide me with the necessary information to validate the debt prevents me from exercising my right to dispute the account effectively. 

4. Revocation of Communication Rights Additionally, I hereby revoke any and all rights that CKS Prime Investment may have to communicate with me via email, text messages, or phone calls. All future communications should be conducted in writing only. 

5. Request for Debt Validation In accordance with the FDCPA, I request that you provide comprehensive validation of the debt, including but not limited to : - The original account number. 
- The amount of the debt. 
- The name of the original creditor. 
- Any documentation that substantiates your claim. 

6. Request for Purchase Agreement I further request that you provide a copy of the purchase agreement between CKS Prime Investment and the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I had a Commedity Victoria Secret credit card that was cancel per the request of commedity for not using it. That is what states in my credit report. 

I got a call this morning from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from phone number XXXX saying I owed {$270.00} I called Commedity and the representative said they do not have my information and they could not talk to me, I askes to speak with a supervisor and the supervisor deny talking to me saying they don't have my information. 

I am sending a letter to request for more information to XXXX XXXX  but I think it is completely absurd that Commedity Bank would sell my information when I did not owe any money to them and now I have to spend who knows how many hours trying to get this clarify.

How about the people who doesn't have the time? or that does not know the language? There should be a penalty for the unscrupulous practices as this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist., ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$250.00}, XXXX  balance {$150.00}, XXXX Balance {$16000.00}, XXXX balance {$12000.00}, XXXX Balance {$16000.00}

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 2024-11-27 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within 15 days. I have attached relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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'm writing a second complaint on this one. There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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'm writing a second complaint on this one. There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/2024 which I am quite clear about the accounts that were fraudulent and in issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I was contacted on around XX/XX/XXXX plus or minus a couple of days by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX In regards to a large debt of some kind that I do not remember accruing this was my first contact by them so I requested the debt validation letter and copies of all original documentation from the original creditor as well as copies of all contracts I signed as of yet I have received no validation letter which the FTC lists must be sent to me within 5 days of initial contact. I called them today they gaslit me and tried telling me they had 30 days to send a validation letter and tried to get me to agree to leeway on the required timetable for them providing me documentation which I refused to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been a Coinbase customer for several years, using a verified, secure account funded by a verified bank account. I am the sole user of this account. 

On XX/XX/XXXX, Coinbase sent me an automated email stating they detected " unusual activity '' and temporarily restricted my ability to send or unstake crypto. This restriction is unwarranted, as I have only interacted with Coinbase Wallet and apps marketed within Coinbase itself. I have never sent crypto to fraudulent individuals and have offered proof to support this. 

These emails are based on automated detections, which have already been proven ineffective, as outlined in the enforcement actions by the New York State Department of Financial Services ( DFS report, XX/XX/XXXX ). 

Two different customer support representatives assured me that all restrictions would be lifted after XX/XX/XXXX. However, this has proven incorrect, and my account remains restricted. Despite completing multiple ID verification steps and confirming with support that my account is secure, my assets are still inaccessible.

Company response to consumer: Closed with monetary relief