vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : For past year I have been denied credit a few times, which is strange with a XXXX credit score and excellent income and payment history. When I discuss with finance manager they tell me its because I filed XXXX during a divorce in XXXX. The issue is I filed but, I voluntarily dismissed it. The way it is being displayed gives the impression as though I went through with the XXXX. I didnt. 
This is similar to someone being arrested but then charges dropped being labelled as a criminal or someone files for divorce but withdraws the case, arent they still married? The way you display would show that individual as divorced and that is wrong. 
By the way, you are displaying a record that never went through is wrong and adversely affecting me personally and financially. If you go to XXXX, which is the Federal cases current and past database, there is no record of my filing because I dismissed the case by my own volition. I was going through a nasty divorce where my wife abandoned me and my XXXX daughters. I was not thinking straight. 
I should not be punished for something I did not go through with, Im requesting it be deleted from my record. 
This adversely affecting me personally and in business. Credit departments see the info and deny me thinking I went thru with XXXX. This is wrong.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

PLEASE DELETE THE FOLLOWING 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 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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank closed my credit card without notifying me first. I had no idea. I only found out because I got a notification from the Credit Bureau saying that Ally closed my card. I contacted Ally, and they said it was due to inactivity, which isn't true. I used my card in XX/XX/year>, and then I used it again in XX/XX/year>. They decided to close my account directly after I used it in XXXX. When I called them the representatives were mo help and said they couldn't re open my account. However, it shouldn't have been closed in the first place. I am also filing a complaint with the 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 2024-11-03 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 am writing to request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report. I am a victim of a data breach and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), request that any information on these accounts be removed from my credit file to prevent further identity theft repercussions. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX- Account Name : XXXX PERSONAL LOANS # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
In XXXX of this year I have requested personal possession of my crypto currency hald in my account with Coinbase. It is consited of XXXX XXXX and XXXX XXXX! 
Since Coinbase is still not responding to my request ( my account is locked ) I was forced to hire a private attorney to file a Criminal complaint. I need company legal department or legal representative contact information where we can send our demand letter and our lawsuit. Coinbase is refusing to provide it to me! 

I also attached copy of my ID front and back and also residency certificate in order to verify my address and my identity for Coinbase.. 

Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: LA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
15 U.S.C. S 1692c ( b ) : a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TN

Complaint narrative:
Hello and Good day, This is the second case about this matter. I have mailed out certified letters asking both XXXX XXXX XXXX and Experian for proof I initiated such inquiry, nor written authorization and have failed to provide any permissible purpose. Experian has not provide proof that I authorized this inquiry. All they did was given me an excuse for why they have allow this to happen. XXXX XXXX  XXXX has not provide proof that I authorized this inquiry. Attached is a copy of the certified letter that I have sent out to Experian ask for the proof. It has been months and I still have not seen any proof, why because " I DID NOT AUTHORIZE THIS INQUIRY ''. Also again this is the second case that I have submitted through the CFPB and still neither XXXX XXXX XXXXXXXX or Experian has provided me proof that I have authorized this inquiry which against the Fair Credit Reporting Act. This will be the 5th time that I have submit paperwork in one shape way or form asking for this inaccuracies to be removed. Experian has cost me time and money for a mistake they have made and have refused to correct. Why is this allowed to happen? " I have not given XXXX XXXX  XXXX Nor Experian authentication for any inquiry having to do with this matter '' ( This is the inquiry that I'm referring too ) Creditor XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2024-11-03 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report due to identity theft resulting from a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3000.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I HAVE BEEN BATTLING TRANS UNION REGARDING CREDIT BUREAU SYSTEMS LLC TO REMOVE ILLEGAL INFORMATION REPORTED. THEY DO NOT OWN MY AUTHORITY TO REPORT ALLEGED DEBT. ALLEGED DEBT IS BEING PROCESSED THROUGH MISSED SECONDARY INSURANCE. I HAVE WRITTEN CREDIT BUREAU SYSTEMS LLC 5 TIMES TO CEASE AND DISIST. THEY HAVE VIOLATED HIPPA RULES AND REGULATIONS BY ILLEGALLY OBTAINING MY MEDICAL INFORMATION AND DETAILS OF MY TREATMENTS. I WANT ALL THE INFORMATION REMOVED ON TRANSUNION REPORT FROM CREDIT BUREAU SYSTEMS LLC

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 2024-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
My auto loan account was purchased by XXXX XXXX in XXXX  This debt is in the process of being resolved by way of Arbitration. I have mailed the documents to this agency along with a Demand Letter. This original debt was with an Unlicensed Lender in North Carolina that charged an APR rate of 28 %, which is an illegal Usury amount in North Carolina. I have obtained a lawyer to assist with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to ensure these items are removed to prevent further fraudulent use of my information. 
Accounts to be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NY

Complaint narrative:
I am writing to request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report. I am a victim of a data breach and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), request that any information on these accounts be removed from my credit file to prevent further identity theft repercussions. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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 am writing to request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report. I am a victim of a data breach and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), request that any information on these accounts be removed from my credit file to prevent further identity theft repercussions. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from XXXX in the future ; I want this removed because it is FALSE.

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 2024-11-03 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: TX

Complaint narrative:
XXXX XXXX  is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from XXXX in the future ; I want this removed because it is FALSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
XXXX XXXX  is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from XXXX in the future ; I want this removed because it is FALSE.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This vehicle was sold to XXXX XXXX at the end of the lease on XX/XX/year>. The dealership ( XXXX XXXX ) sent payment to XXXX on time. Every payment prior the end of the lease was paid on time as shown on my credit report. I also have proof of payments however it is showing my lease as 180 days past due. This is incorrect. Every payment on the life of this lease has been paid fully.

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