vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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 charge offs and written off on my credit report according to XXXX. For that to happen I should have received a 1099C. I am requesting a copy of the 1099c filed by this company. Technically XXXX is reporting fraudulent information. And the law insures that all my information should be accurate.

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 2024-12-15 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Birthday XX/XX/XXXX Email. XXXX Social security. XXXX Phone # XXXX XXXX account # XXXX TransUnion # XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, TransUnion, XXXX reports. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( + ) from THESE LENDERS NEED DELETIONS ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please rem any information that the creditor can not vrify and show permissible use NOTE... I demand that these items be removed that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 an account without my written instructions *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates.

the report by more than seven years.

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

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED ... # XXXX Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sending money to a fraudster, scammed me with more than XXXX dollars

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
On Saturday XX/XX/XXXX, I added an individual to my Apple Card account as a participant/authorized user so that he may purchase a new XXXX for himself. After attempting to make the purchase, Apple declined the transaction immediately citing that the charges were deemed suspicious. I initiated contact with Apple Card Support through Goldman Sachs, and they later transferred me to Apple Cards Fraud Support. The agent through the XXXX XXXX XXXX channel indicated the declines were issued because of the high XXXX amount. I indicated that not only was the person who attempted these someone from my existing XXXX XXXX XXXX but that I was very aware these charges were coming through. 

The agent notified me he would need to call me to verify my account details and then notify his supervisor to remove the account restrictions. Once the agent called to verify as stated he told me that I would need to wait about XXXX minutes before trying again and to refresh the cart so that the system also refreshes. Neither of these options worked because my participants card was declined immediately. I ended up having to place the order myself through my account because it was clear that Apple struggles from proper customer service let alone credit card maintenance. I myself work in the banking industry in risk and compliance, and can succinctly speak here that Apple wasted my time but also engaged in misrepresentative behavior. Their agent provided a resolution that did not work and leads me to believe there was a lack of understanding and inaccuracy in Apples ability to troubleshoot their own technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
Duplicate information was provided to all 3 credit bureaus. XXXX investigated and removed items according to my proof of evidence. However, Experian wants me to believe that they performed a thorough investigation after I received a letter with the incorrect spelling of my name that does not appear on any credit reports. How can you perform an accurate investigation for me XXXX XXXX, under someone else 's name? Please remove the listed accounts from credit report. This is a very delicate and traumatizing situation for 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase charged off the account in the amount of {$6200.00} ( Act # XXXX ) however I never received the 1099-C. Formally requesting that this get taken off my credit report since it has been charged off and I am requesting the 1099-C. It is unlawful to charge off the amount and not accurately report/remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. 

Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. 

Additionally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. 

To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 
2. Documentation proving that my XXXX XXXX loans are not in default. 
3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. 

I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open

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 2024-12-15 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: NY

Complaint narrative:
Equifax cost me over {$55000.00}, tens of hours fighting to resolve an identity fraud issue stemming from them leaking my personal data, and many more hours fighting with a credit card issuer. I have taken copious notes ( with dates and plenty of documentation ) to provide evidence of this. After I filed a formal claim with them, Equifax acknowledged their fault, and that my claim was valid. Yet, they have resorted to lying and unsavory business practices to avoid fairly compensating me. As per the terms of the Equifax Data Breach Settlement website, I was entitled to a maximum of {$20000.00} ( please note, this is *still* less than the amount that was charged to my SSN/credit report due to this fraud ). However, they stalled and avoided my requests for follow-ups over the course of *two* years. I submitted a claim in 2020, checked the website every month or so for status updates on my claim, immediately responded to a request for extra documentation ( which I obliged ), and then one day ( after two years ), they said that I missed a window to provide them an update. So they are claiming that they somehow emailed me an update with a time-sensitive deadline ( after which my claim was nullified ) -- yet I have zero record of this in my email and never received a letter. And now, somehow, when they had to legally pay me a claim ( they sent me < {$20.00}, after all of this ), they were able to contact me about it via email and letter to my apartment. I have wasted so much of my time, effort, energy, and stress on this -- and it turns out it was all for basically nothing, and Equifax won't ever be punished for it or obligated to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the accuracy of certain hard inquiries on my credit report. Upon reviewing my report, I identified several unauthorized inquiries that I did not approve. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed immediately as they are inaccurate and not initiated by me. 

The following hard inquiries require immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 U.S. Code 1681b ( FCRA Section 604 ), a credit reporting agency may only release a consumer report for permissible purposes, such as my explicit consent. These inquiries were conducted without my authorization, which violates my rights under federal law.

I demand an investigation into these inquiries as required under the FCRA. If you are unable to verify that these hard inquiries were authorized, you are legally obligated to remove them from my credit report under 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ).

Failure to comply with this request within the legally required 30-day timeframe under the FCRA will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedy.

Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of this matter.

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 2024-12-15 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 filing this complaint regarding the ongoing and inaccurate reporting of several student loan accounts by Experian on my credit report. These accounts, allegedly serviced by XXXX, are not mine and have no association with me. My actual student loans are exclusively serviced by XXXX, as confirmed in the attached XXXX statement. 

The following Navient accounts have been inaccurately reported on my Experian credit file : Account Number : XXXX Balance : {$2800.00} Original Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Balance : {$8000.00} Original Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Original Balance : {$5500.00} Account Number : XXXX Original Balance : {$870.00} I have provided extensive documentation to Experian to support my claim, including : An official police report identifying these accounts as fraudulent. 
FTC identity theft reports submitted multiple times. 
My XXXX statement confirming that my student loans are serviced solely by XXXX and not XXXX. 
Despite these efforts, Experian has failed to remove these accounts from my credit file. This ongoing inaction violates the Fair Credit Reporting Act ( FCRA ), particularly 605B ( 15 U.S.C. 1681c-2 ), which requires the prompt removal of fraudulent accounts when provided with sufficient evidence, such as a police report or FTC identity theft 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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I do not owe the debts to LVNV Funding LLC or Resurgent Capital Services L.P . I requested debt validation on XX/XX/year> and they did not provide as I do not owe them anything and they are in violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Addresses that I never lived at the credit reporting agencies will not and have not removed. Incorrect spelling of my name has not been removed.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Addresses that I never lived at the credit reporting agencies will not and have not removed. Incorrect spelling of my name has not been removed.

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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The complaint is against Coinbase whose wallet provided to me, I used to transfer crypto from a different exchange to my Coinbase wallet. The transaction was confirmed and completed on the blockchain after minutes. I triple checked all the information, the wallet address etc to see if I had messed up. I have all the receipts to confirm it was Coinbase whose fault it was. I couldnt reach thier customer service team because they make it impossible to change your number if you get a new one. Just an endless loop of unhelpful websites. It was used using the polygon network. Below I have attached the evidences. The first image is the blockchain confirmation. And you can see in the transaction action it was sent to the Coinbase wallet. The second image is to confirm that is the wallet. The image is from the Coinbases app, when I press wallet address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
This letter is for the purpose of deleting items listed from my credit report. i am a victim of identity theft and did not make the charge. i ask the items be deleted to fix my credit report. i reported the identity theft to the federal trade commision and i also have enclosed copies of the federal trade commisons identity theft affidavit. Please delete the items as soon as possible

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 2024-12-15 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: AL

Complaint narrative:
There are many Hard Inquiries which I did not authorize and many incorrect accounts in error reporting on my consumer reports

Company response to consumer: Closed with non-monetary relief