vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I submitted a dispute through the mail to the credit bureau back on XX/XX/ and it seems as if nothing was done. I am a victim of identity theft. I sent the required documents they asked for which were a copy of my driver 's license, FTC report, and social. There is still information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer 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 2024-01-10 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: TN

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America Visa holder for approx 15yrs. I recently accepted a balance transfer offer with a XXXX APR if paid by end of XXXX. Additionally offer states a " 3 % transaction fee '' which will increase to " 4 % '' unless I contact BofA to reject by XXXX. Today, XX/XX/XXXXXXXX  @ XXXX I phoned to reject the 4 % increase and retain the 3 % fee already charged. Customer service XXXX states the policy on their end is to advise my account will be closed if I reject the 4 %. I read my offer & fine print verbatim and the terms to call with rejection of increase and nowhere on the document ( s ) is a threat to close my account if not accepted. He continued to verbalize all he could do was close my account. I requested an escalation however no manager available to speak to me.

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 2024-01-10 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:
XXXX XXXX XXXX Account # XXXX Amount : {$110.00} XXXX XXXX  Account # XXXX Amount : {$140.00} XXXX XXXX Account # XXXX XXXX : {$2300.00} XXXX XXXX Account # XXXX Amount : {$270.00} XXXX contacted this creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX @ XXXX @ XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
I am writing to express my extreme disappointment and frustration regarding the lack of response from TransUnion, XXXX, and XXXX regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date. 

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter. 

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.

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 2024-01-10 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: TX

Complaint narrative:
I am writing to express my extreme disappointment and frustration regarding the lack of response from XXXX, XXXX, and Experian regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date.

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter.

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.

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 2024-01-10 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for its persistent failure to correct inaccuracies in my credit report, specifically related to non-deliverable addresses. This matter was initially brought to Experian 's attention in a letter dated XX/XX/XXXX. Subsequently, I submitted a complaint to your agency on XX/XX/XXXX. Unfortunately, as of XX/XX/XXXX, no action has been taken by Experian to rectify these inaccuracies. 

Experian continues to break the law. 

The inaccuracies in question involve non-existent addresses that are also incapable of receiving mail through the U.S. Postal Service. As a result, these inaccuracies not only compromise the accuracy of my credit report but also violate the Fair Credit Reporting Act 's ( FCRA ) mandate for accuracy, fairness, and the substantiation of reported information.

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Coinbase has placed a buying and selling hold on my account and my digital assets claiming they are waiting for a payment, even though I have digital assets that have been purchased with settled and cleared funds. Coinbase support says that I will still be able to transact with my account while my last ACH payment is on hold, however I am unable to buy, sell, withdraw or transfer any of my assets. 
Coinbase also says I have {$1800.00} in cash/digital assets available that I can buy, sell, or trade. However, the user agreement is misleading and contradictory and Coinbase has locked my assets even though my bank has confirmed my ACH transaction was successful as of XX/XX/24, and Coinbase has the transaction marked as complete in their system as of XX/XX/24, images provided with the files. Coinbases policy says that buy and sell services will be restricted if there is a violation of the user agreement, which in my case has not occurred. 

I have reached out to customer support to try to resolve this issue however they are unable to assist. 

Coinbase Complaint Case Number : XXXX : Customer Support Case Numbers : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NC

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( You are the only reporting agency showing this remark and all reports are to be identical. ) XXXX XXXX XXXX c/o ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ( You are the only reporting agency showing this remark and all reports are to be identical. ) XXXX XXXX XXXX c/o ORIGINAL CREDITOR : 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 2024-01-10 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-10 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-10 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 explanation
Consumer complaint received 2024-01-10 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
The first Conciliation Conference was held on XXXX XXXX. My Wife, Who is on the DEED and has a Power of Attorney, logged in to the XXXX meeting but when my name and case was called the attorney for the lender said that Complaint has not been served to Defendant and the they're moved to the next case. The next conference was scheduled on XX/XX/XXXX. On XXXX we contacted Specialized Loan Servicing and applied for the short sale approval with all necessary documents attached and asked to put Foreclosure on hold. We received an email from XXXX XXXX XXXX XXXX XXXXXXXX stating that our application is under review. On XX/XX/XXXX we received via mail Package of documents with the Short Sale Program Approval. On the same day we got court document stating that Defendant failed to appear to the zoom Metting on XX/XX/XXXX and the STAY IS LIFTED. We were under impression that because we applied for the short sale, we don't need to attend the Conciliation conference on XX/XX/XXXX. This file should be on HOLD.

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 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MO

Complaint narrative:
There is a account on my credit from XXXX that is with a collection agency called credit management. The amount for the debt collection is XXXX. Discount was made fraudulent. I never opened a account. Ive tried to resolve this several times Ive put in fraud claims theyve removed it from my credit several times and keep trying to put it back on there. This is not my account. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: NV

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: LA

Complaint narrative:
Revco Solutions , Inc. mailed me a bill via postal mail. I never had any contracts with Revco Solutions , Inc. nor did I give this company my permission to contact me. I believe Revco Solutions , Inc. purchased my information from XXXX XXXX. in which I did not give XXXX XXXX. permission to sell my information to Revco Solutions. Revco is a third party debt colection agency who is trying to collect a debt that I do not owe to them. Revco Solutions Inc and XXXX XXXX has violated my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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 2024-01-10 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023. I went to Chase Bank and deposited XXXX  into my business account, of which I used {$5000.00} to pay my bills. 
On XX/XX/2023. I logged into my online account through my mobile phone to check my balance and it turns out that they made a Domestic Wire Transfer in the name of XXXX XXXX XXXX, who is a person I do not know and did not authorize this transfer. The other XXXX dollars said " Pending '' to be withdrawn as well. But I immediately called Chase Bank to tell me what was happening and why I had not received a notification before authorizing my money and only the XXXX dollars that they said were pending could be canceled because they had not yet left the account but the XXXX  dollars had already The transfer had been made without my permission or authorization. Since then I made the complaint but did not receive any response. I kept calling and they told me that the case was closed and that to reopen it I needed evidence and I went to the police and made the report which has been sent three times from the same Chase bank and still they did not give me a positive response. They don't tell me anything, they just say that I authorize that money and that's not the case. In my account I only had two cell phone numbers, mine and my daughter 's, and the person who hacked my account deleted my daughter 's number and put in a strange number that I don't know and from there they did everything until my account was online. It's blocked. 
I've been trying for months and now it's been a year already to get Chase Bank to respond to me and return my money and nothing. I have called many times and gone to the same branch for help and nothing. The solution I ask for is that the bank take responsibility and please give me my money back because this is not the first time that the bank has taken money from my accounts without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
During the height of the XXXX period. The stores accounting department was shut down. During this time I was being billed for a product that had been returned. The issue was corrected and all fees were dismissed, but on my credit report it still reflects late or missed payments

Company response to consumer: Closed with explanation