vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all 3 credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under XXXX twice which is showing duplicated 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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I filed a dispute with chime because I do not have a XXXX XXXX and I have these unknown transactions on my account. I requested the documents used and they provided XXXX that wasn't enough to investigate it im sure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
We opened a loan thru XXXX XXXX back in XXXX. The loan was sold or transferred to Concord XXXX last year either XXXX or XX/XX/XXXX. We were not notified about this. It was not till I called to make a payment with XXXX. That I was told it was sold to Concord. So Concord sold it back to XXXX in XXXX or XX/XX/XXXX. Concord is showing they closed the account and charged off the account balance of {$7500.00} amd still showing on my credit report that I owe them {$7500.00}. Even though they sold it or sent it back to XXXX with the same amount of {$7500.00} due on the loan. This loan is paid off thru XXXX. I filed a dispute with experian. They said all the info was correct from Concord and would not change the negative reporting on the credit report. I have spoken to Concord multiple times the last 2 months. They are still saying they show no balance due. But refuse to contact the credit agencies to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2024, I was scammed into purchasing an XXXX XXXX card in the amount of {$500.00} by XXXX XXXX Users. 

XXXX offered no help. My Checking Account Bank, PNC, was not able to get XXXX to accept the dispute and refund me for the {$500.00} XXXX XXXX XXXX purchased at XXXX in XXXX, PA XXXX. 

On XX/XX/2024, I attempted to sell a woman 's handbag on XXXX. Once I posted my listing, I was almost immediately contacted by scammers pretending to want to buy my handbag. They offered to " overpay '' me by {$200.00}, led me to text them ( to get off of the XXXX platform ), and then proceeded to tell me that their payment to me failed, and that I needed to pay {$200.00} to " activate '' my XXXX account, ONLY via a preloaded XXXX Gift card in the amount of {$200.00}. They suggested I purchase this card from a XXXX, which I did, and then texted me to send a photo of the receipt as well as of the barcode information ( PIN ) on the back of the card ). 

They immediately redeemed this card, and sent me an email that, although a payment ( from the scammer ) was made in the amount of {$1500.00} USD ), that I THEN needed to also make a security deposit, split via XXXX ( XXXX ) XXXX XXXX XXXX in the amount of {$500.00} and {$470.00}, respectively. I then went back to XXXX to follow this instruction, frantic that I would never receive the payment for the purse. Obviously, I had not yet picked up that this was a SCAM. 

I went back to XXXX and purchased a {$500.00} XXXX XXXX XXXX, which XXXX approved. I attempted an additional transaction for an additional Apple Card ( in the amount of {$470.00} ), but XXXX declined the transaction, and I was automatically refunded. 

I messaged with PNC today regarding the case I opened with them, Case # XXXX. Their Dispute team can be reached at XXXX. In tandem, I opened a Case with XXXX, XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$15000.00} was deposited into our Wells Fargo checking account ending in XXXX. Funds were posted on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo removed the funds from our account with the reason that the check was fictitious. Wells Fargo service contacts were unhelpful in determining the sequence of events or in explaining the long delay in notification. In discussion with XXXX XXXX it was determined that the check was valid but had been remote deposited on XX/XX/XXXX. It took XXXX over a month to identify the recipient of the funds, XXXX XXXX XXXX, who had deposited a copy ( the original was given to us without endorsement ) of the check into another account without endorsement from us. XXXX XXXX XXXX was our realtor and they claim no knowledge of the reason for the misallocation of funds and have subsequently sent a new check to us and we have deposited it. Wells Fargo XXXX # XXXX was closed with no explanation of the delay in notification of a problem with the check. XXXX was unable to explain the reason that they transferred the funds without endorsement of the named parties. This process took 2 months to resolve with little assistance from either bank.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have not been contacted by Wells Fargo since their settlement agreement. I believe I qualify as throughout the years I have been charged hundreds of dollars, if not thousands in the span of years for the settlement, in overdraft fees when my savings was used to cover any overdraft.

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 2024-03-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 explanation
Consumer complaint received 2024-03-18 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: PA

Complaint narrative:
Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these accounts or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services.

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. Experian is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES. 

Violations on reports : XXXX. This is not my name XXXX. There's ( XXXX ) Undeliverable Addresses on this profile XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. Inquries that does not have a account associated with it has no reason to be furnished. No permissble purpose.

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 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
They call me constantly under many different phone numbers and do not identify themselves. I will try to get to get details to verify, but will not tell me any account numbers, nor told me their names or itemized bills or any mailing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I signed into my Coinbase account ( coinbase.com ) Once logged in my personal account information appeared, then immediately replaced with a message on the main screen stating my account had been locked due to suspicious activity, and required to contact Coinbase support to authenticate so my account could be unlocked. 
Given the first screen that came up actually showed my account, I had no reason not to think this was not coming from Coinbase. 
Within minutes I realized my funds were gone and I immediately contacted Coinbase again, which informed me there was nothing they could do to either stop this transaction or transfer these funds back ; all they could do was lock my account to avoid any further transactions. 
They have taken zero responsibility for their website being hacked and I have lost {$9800.00} and just told me to contact the authorities. 

I received a transaction confirmation from Coinbase for transfer of funds to the crypto address which I found to be located in XXXX, XXXX. 
I copied for reference the transaction number and crypto address along with IP address and phone number from person/people who hacked into Coinbase website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: AZ

Complaint narrative:
I Have Been A Victim OF Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: AZ

Complaint narrative:
I Have Been A Victim OF 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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 and so on

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 2024-03-18 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: OK

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I talked to customer service at experience it went over everything that was on my credit report I also stated that I have a membership with them and I am supposed to be protected from all of this that was going on because that was in the membership all information will be protected and if they didn't stand by they commitment that I will be compensated but when I talk to the XXXX department nothing was admitted that was in their membership and I was saying they can do is file a identity theft and monitor I was told that I will receive alerts if anything is not accurate I was not notified my information was not protected it was spread it across the dark web social security number date of birth telephone number and my ID number someone even access my account and tried to change my name it was another social security number that wasn't mine I count that I never applied for but all was told to me today is that they would do an investigation

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 2024-03-18 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: VA

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 2024-03-18 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: VA

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 2024-03-18 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: FL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-03-18 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: IL

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-18 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: Cedars Business Services, LLC
State: CA

Complaint narrative:
Cedar Business Service is in violation of the FCRA. Creditor is in violation of 15 US Code 1681s-2 ( 1 ) ( A ), 15 US Code 1692b ( 5 ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), 15 US Code 1692d ( 2 ) ( a ), and 15 US Code 1692c ( a ) ( 1 ). I request the removal of this account immendiatly form my credit report. I would like a current update of my creit reort once issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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