vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$670.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX bank XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$29.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> **Subject : ** Formal Dispute Regarding Credit Report Inaccuracies, Violations, and Request for Remedies I am writing to formally dispute several inaccuracies and violations in my credit report as maintained by your agency. These errors have caused significant financial harm and distress. Below, I detail the specific discrepancies, legal violations, and supporting evidence. Attached exhibits are provided for your review.

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported XXXX XXXX XXXX XXXXXXXX, '' variations of " XXXX XXXX XXXX XXXX - Incorrect addresses listed : [ Address variations as identified in the reports ]. 
- **Exhibit : ** A # # # # 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX  Account XXXX XXXX XXXX XXXX XXXX Multiple late payments misreported. 
- XXXX XXXX ( XXXX XXXX XXXX : XXXX late payments misrepresented. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Late payment inaccurately recorded. 
- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Accounts opened fraudulently without my consent. 
- **Violation : ** FCRA 15 USC 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Fraudulent account activity. 
- XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized account and reporting errors. 
- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX ( Date : XX/XX/year> ). 
- XXXX XXXX  ( Date : XX/XX/year> ). 
- XXXX XXXX ( Date : XX/XX/year> ). 
- **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods.

- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - Account re-aged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- **Exhibit : ** E ---

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Out of the blue, I started getting calls at all hours of the day from CashNetUSA. Sometimes, I get threatening letters from them. 

I don't know these people, and I never did business with them. They must be scammers because the real company is aware and warns consumers about these frauds. 

I block their number, but they have so many, they just call from another one thr next time. The last number they called from this morning is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NH

Complaint narrative:
My previous compaint is incomplete it didnt include the attachment I am adding that shows I made payments between XXXX and XXXX and was never late or in default. I paid more than the minimum and don't owe the original balance as claimed by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MA

Complaint narrative:
I was a victim of identity theft.. I have never given any written consent to any reporting agency to furnish my credit report which is required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent is Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On Friday, XX/XX/XXXX I received the below email from CoinBase ( CB ). When I checked my account, I could not find in any evidence that my account had increased by {$980.00} of USD. 

When I contacted CoinBase 's support, they asked me to verify the transaction. I told them that I made a transacton of near {$1000.00} USD on XX/XX/XXXX and after fees, assume that this was referencing the {$980.00} however CoinBase 's customer service was of no help. 

They asked for a copy of the email, which I provided but the customer service agent kept repeating himself. The agent 's name is " XXXX '' and we kept going in circles. 

It's unbelieveable to me, that CB, would send out such an email without having an acocunting of what it's referring to.

I'd appreciate CFPB helping me get to the bottom of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XXXX, XXXX and XX/XX/XXXX I paid {$10000.00} to XXXX XXXX owner of XXXX XXXX via PayPal for specific services outline in my contract to run XXXX add but this was never delivered I filed a dispute with PayPal and they denied my claim that this is not covered under buyer protection. This Buyer is a big fraud and was running Ponzi scheme to provide fake services and PayPal is not taking any action to help me out so I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington Law was supposed to fix my credit. I called to ask why its no change in my credit repair. They said it takes some time and a couple more months goes by and my credit still not fixed. I dont remember the exact dates but it was last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate : ** XX/XX/2024 **Subject : ** Formal Dispute Regarding Credit Report Inaccuracies, Violations, and Request for Remedies I am writing to formally dispute several inaccuracies and violations in my credit report as maintained by your agency. These errors have caused significant financial harm and distress. Below, I detail the specific discrepancies, legal violations, and supporting evidence. Attached exhibits are provided for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX*Disputed Items** XXXX XXXX XXXX XXXX  1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported : XXXX XXXX XXXX, '' variations of " XXXXXXXX XXXX XXXX XXXX' - Incorrect addresses listed : [ Address variations as identified in the reports ]. 
- **Exhibit : *XXXX XXXX XXXX XXXX XXXX XXXX  2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX : Multiple late payments misreported. 
- XXXX XXXX XXXX XXXX XXXX ) : 3 late payments misrepresented.

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Late payment inaccurately recorded.

- **Exhibit : ** XXXX XXXX XXXX XXXX XXXX  3. **Fraudulent Accounts** - **Issue : ** Accounts opened fraudulently without my consent.

- **Violation : ** FCRA 15 USC 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Fraudulent account activity. 
XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized account and reporting errors. 
- **Exhibit : *XXXX XXXX XXXX XXXX XXXX 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX ( Date : XX/XX/2024 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- **Exhibit : XXXX XXXX XXXX XXXX XXXX XXXX 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods.

- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ).

- **Details : ** - Account re-aged : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Formal Dispute Regarding Credit Report Inaccuracies, Violations, and Request for Remedies I am writing to formally dispute several inaccuracies and violations in my credit report as maintained by your agency. These errors have caused significant financial harm and distress. Below, XXXX detail the specific discrepancies, legal violations, and supporting evidence. Attached exhibits are provided for your review. 

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported : " XXXX XXXXXXXX, '' variations of " XXXX XXXX XXXX '' - Incorrect addresses listed : [ Address variations as identified in the reports ]. 
- **Exhibit : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX*Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX  Account ( # XXXX ) : Multiple late payments misreported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX late payments misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Late payment inaccurately recorded. 
- **Exhibit : ** XXXX XXXX XXXX XXXX XXXX 3. **Fraudulent Accounts** - **Issue : ** Accounts opened fraudulently without my consent.

- **Violation : ** FCRA 15 USC 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent account activity. 
XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized account and reporting errors. 
- **Exhibit : ** XXXX XXXX XXXX XXXX XXXX XXXX. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX ( Date : XX/XX/year> ). 
XXXX XXXX XXXX ( Date : XX/XX/year> ). 
- XXXX XXXX ( Date : XX/XX/year> ). 
- **Exhibit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods. 
- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - Account re-aged : XXXX XXXX XXXX XXXX XXXX XXXX 
- **Exhibit : 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 2025-01-04 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:
I WAS INFORM THAT MY PERSONAL INFORMATION WAS EXPOSE IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN SOME INACCURATE INFOMATION AND ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I WAS INFORM THAT MY PERSONAL INFORMATION WAS EXPOSE IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN SOME INACCURATE INFOMATION AND ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I contacted Scott, and associates, P.C. is the attorney for the collection agencies that bought the debt from the original creditors that are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The debts were bought by XXXX XXXX XXXX, and XXXX XXXX XXXX. Scott, and associates, P.C. is trying to get a judgment for the original amounts but XXXX XXXX XXXX, and XXXX XXXX XXXX bought the debt for much less than what Scott, and associates is trying to get a judgment for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX I submitted a letter to Creditor advising them that there is information on my credit report that should not be on there. Acct XXXX XXXX XXXX  Date opened XX/XX/XXXX. This account is over 7 years old. Per FCRA please remove from my credit report. They have failed to comply and remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, Dpt Treasury Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$200.00}, US Dept of the Treas Account # XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX. XXXX, XXXX Account # XXXX XX/XX/XXXX bal. {$160.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, Dpt Treasury Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$200.00}, US Dept of the Treas Account # XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX. XXXX, XXXX Account # XXXX XX/XX/XXXX bal. {$160.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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