vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: SC

Complaint narrative:
XXXX XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.

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 2024-03-05 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: SC

Complaint narrative:
XXXX XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted two requests for information on my credit report to be corrected and I keep getting emails back from Experian refusing to correct the misinformation. Upon review of my credit report, I noticed some account information that was inaccurate. I detailed that information in a letter to Experian and they responded, stating they did not believe the dispute was from me or that I may be working with a credit repair company. I'm not sure how they came to this conclusion because the letter included all of my personal information and return address. I then resent the information back to Experian and Notified them it was indeed me and that I was needing the inaccurate information corrected on my credit report. Experian then replied a second time with the exact same email that they were not going to investigate because they did not believe it was me or that I was working with a credit repair company. I believe they just don't want to investigate or correct the misinformation which is hurting my credit score.

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 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was told that I owe a debt and I believe that it is a case of mistaken identity or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. I have no open account ( XXXX ) with any of this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I have NEVER been associated with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is listed on my credit report. 

Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished XXXX my report. This information is inaccurate and I am demanding a correction to my credit report by this item being deleted and removed 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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX - I did send an email to Truist - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX THIS IS MY XXXX CFPB COMPLIANT AGAINST TRUIST BANK, CUSTOMER ADVOCAY TEAM AND EXECUTIVE MANAGEMENT. 

There has been XXXX fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} XXXX FRAUD COMPLAINT : - XXXX Fraud Dispute was filed on XX/XX/XXXX, Fraud Cases # XXXX, Truist Fraud Department cancelled my card and sent a replacement. In response to my XXXX compliant to CFPB in XX/XX/XXXX, XXXX XXXX XXXX from Truist Advocacy Team has provided inaccurate information that fraud claim for {$2400.00} is closed in my favor and my account is credited. I called XXXX XXXX at XXXX in early XX/XX/XXXX and explained the issue also, I even followed up with an email on XX/XX/XXXX. Since XX/XX/XXXX there has been no update from Truist, I was even informed by XXXX XXXX 's that a Supervisor by name XXXX XXXX XXXX will call me, as of this afternoon there has been no response from Truist nor I see any credits to my accounts in the amount of {$2400.00} and {$24000.00}. 

What is more shocking is that Truist XX/XX/XXXX statement still state the amount of {$2400.00} is still under dispute. Please refer to Truist Statement for XX/XX/XXXX, XXXX XXXX of XXXX ( yellow highlighted section of the statement ). 

XXXX FRAUD COMPLIANT : A repeated fraud has occurred my Truist Credit Card, this time in the amount of {$24000.00}. A part from the credit card there has been on my Checking Account # XXXX, Case # XXXX for {$700.00} and ACH Transaction, Case # XXXX. Police Report was also provided to Truist Bank Staff. 

At the advice of the bank staff I called credit card customer service, a fraud case # XXXX was issued. Since then I have called Truist Fraud Department multiple times since XX/XX/XXXX. As of today Truist has NOT PROVIDED ANY EVIDENCE that I have benefitted from this transaction. 

There is no resolution being provided by Truist. I also sent an USPS Certified Letter on XX/XX/XXXX, with Tracking # XXXX. The attached evidences clear show that XXXX has credited my accounts and also debited, I am in loss of {$2400.00} and {$24000.00}. 

As informed to Truist, XXXX XXXX and Truist Advocacy Team, if Truist do not resolve the issue in next 30 days, I will forced to take legal action against Truist Advocacy Team and its Executive Management and Banking Ombudsman for further intervention as customer complaints are being closed with inaccurate and misleading 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 2024-03-05 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: IN

Complaint narrative:
I am writing to formally complain about XXXX, Transunion, and XXXX 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes. 

The core of my complaint is rooted in the failure of XXXX, Transunion, and XXXX to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures.

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy. 

Non-Compliance with Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties. 

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by XXXX, Transunion, and XXXX XXXX 

I assert that the actions of XXXX, Transunion, and XXXX have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress. 

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally complain about XXXX, XXXX, and Equifax 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes. 

The core of my complaint is rooted in the failure of XXXX, XXXX, and Equifax to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures. 

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy.

Non-Compliance with Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties.

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by XXXX, XXXX, and Equifax XXXX 

I assert that the actions of XXXX, XXXX, and Equifax have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress.

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SC

Complaint narrative:
There are unauthorized credit inquires on my credit report. I have attached the FTC complaint in regard to these inquires.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have been trying to log into my account with Coinbase XXXX for over a year. You can never get a hold of anybody when you call. The wait is over two hours. You cant send an email unless you login. Since I cant login, I cant send an email. She said I have to check with my Internet company and they said there is no problem. I get codes from several companies every week. The only trouble XXXX having is with Coinbase. They verify me and wont give me any information about my account. They say I have to login. I tell them I cant login. So theres no way for me to get money because they wont send it to me. After you login, they take you to step two verification code. It never sends out a code. You click resend and you never get a code. The lady admitted to me that a lot of customers have a problem with this, yet theyve done nothing to fix it. She said she gets a lot of angry calls. The problem is you cant login, they wont tell you anything about your account, you ask him to sell everything and just send the proceeds. They wont do that. They have you hostage, both you and your money. They should not be able to treat customers like this. I have no way of getting my money back except for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
XXXX  reporting of 30 days late payment is still not correct per previously reported on CFPB report # XXXX. Experian claim that they researched and updated my account is incorrect ; My credit report still shows 30 days late for the XXXX XXXX mortgage 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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have been getting IRS federal refund withholding notices in XXXX, XXXX, XXXX and XXXX for a debt that is linked to an XXXX XXXX XXXX. Initially I let them take the small amounts from my refunds because I assumed this was a legitimate debt from a time when I was XXXX and less responsible. Unfortunately, the last XXXX years this has taken place have been SUBSTANTIAL amounts of money. I have called Transworld Systems , Inc. ( the company responsible for the debt ) and they explained that even though I did close out ALL debt associated with this card in XXXX, I have a " NEW '' one now that has since gone to collections. I have not opened another card. The card is also under my previously married name. I have been married for XXXX  years. I have also NEVER seen this account that is now in collections pop up on my credit report, which all my other credit cards I can see. Something is not right. Someone is fraudulently using my information and when I try to verify my ACTUAL information, I can not because none of it matches what they have on file for me. I am in the midst of trying to file charges, get this removed as an agency that can withhold my tax refund and I figure out how to claim XXXX and XXXX XXXX I am happy to answer questions and provide any information to help this case move forward, but this ability to continuously open credit cards in my name without my consent or knowledge is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unable to get your credit report or credit score XX/XX/24 Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXXEQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit System billed amount XXXXXXXX XXXX  -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I received notice that my credit card ending in XXXX will be closed as of XX/XX/XXXX. The adverse action notice claimed that the Creditor has contacted a consumer reporting agency ( without permissible purpose ) and used the information found there in making their decision to close my account. The account has been open and in good standing since XXXX, however inaccurate credit reporting suggests the account has been current and on time as of XXXX. I am being treated less favorably than other applicants and I am concerned about discrimination within this relationship. The letter did not state specific reasons why the creditor has decided to close my account. I called the number provided and I was told there is nothing I can do except wait until XX/XX/XXXX to apply for an another credit card. This decision will negatively impact my ability to cover cost for personal, family and household purposes, especially with a new born in home. I have not asked for a credit limit increase ; I am asking to keep this account open. During the phone call today, reference number XXXX I even paid the balance down to {$0.00} with a payment of {$1400.00}

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