vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts and collection in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: IL

Complaint narrative:
I paid the mortgage in XX/XX/scrub> 2024 and they marked me as late.

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 2024-09-25 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: MS

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2024-09-25 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: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15USC 166B. As a longtime customer that has exceptional payment history with Tidewater Motor Company, I am appalled that they will violate my consumer rights in such manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with Tidewater Motor Company customer service, they were not helpful and never helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumers rights. 

Tidewater Motor Company is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is all against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
I first contacted XXXXXXXX XXXX XXXX XXXX. in XX/XX/XXXX about my Discover card going to them due to non-payment. I contacted them and set up a payment plan for three months for {$100.00}. I had to contact them about a week later because my payment plan was not set up right the first time I contacted them. I never received any documentation for XXXXXXXX XXXX XXXXXXXX XXXX. about the debt other than the document stating thank you for your payment it has been processed. I did contact XXXXXXXX XXXX XXXX XXXX. on XX/XX/XXXX, to receive debt validation paperwork from them which I did receive on XX/XX/XXXX. 

When I have talked to XXXXXXXX XXXX XXXX back in XXXX, the employees were rude and were pushy when I didn't agree to anything they stated. Not one of them ever stated about sending me documents about the debt, they only wanted to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
To whom it may concern, I am submitting a complaint against Fortiva under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, Fortiva has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. She went back and forth with me in a very unpleasant, unprofessional manner. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. 

Thank you for your attention to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has decided to close my credit card account. I have tried to request for the reason for the decision but was not provided any. Chase said its a final decision by the bank without an opportunity to appeal or review my account. I have excellent credit and a long employment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV/reseervent has failed to provide proof of contract on a charged off debt from 2014 California 's statute of limitations on debt is 4 years, per the state 's Code of Civil Procedure 337. A statut This needs to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit report it is a fraudulent inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/year> can you remove this from my credit report 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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Coinbase locked my account for no reason. I would like to withdraw my money and they do not let me. They are telling me that my money will be on hold for 30 days. Many people are complaining about this, and there was a recent article Regarding Coinbase using peoples cryptocurrency in fraudulent ways, such as issuing IOUs, when people purchase, XXXX, or when institutions purchase XXXX. They are not giving me any reason. They dont provide phone support and I am losing money daily because of this. at first, they told me it was because I linked the business account, but Ive never linked a business account and that is a lie. Then they told me they were mistaken, and that is not why. And since then Ive gotten no reason. I have had this account for a long time. I have verified at least three times with photo ID and doing a phone interview.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account Number : 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB CARD XXXX .... & JPMCB CARD XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a checking account with Citibank. I have been a loyal customer in good standing for close to 20 years with this bank. Without prior notice, or any notice at all, on XXXX XXXX, XXXX, Citibank placed a hold on my checking account, which had a positive balance of {$5300.00}, preventing me from accessing any of my money. I found out that my account had been frozen because my card was declined when I tried to purchase a {$13.00} sandwich. I later went to the ATM to attempt to withdraw {$40.00} in cash, and saw a message on the screen saying there was a problem with the account. I then called Citi and was told that the fraud department had put a hold on my account, frozen access to it, and that policy dictated that I would need to wait until they were done with their investigation which would be at least 24 hours or more, before I could access my own money. They did not ask me any questions or make any effort to explain why the account was being investigated. The Citi freeze on my account prevented me from being able to access public transit for which I scan my debit card, or purchase food. I was also unable to pay my babysitter, since I could not withdraw cash. When I complained and said that freezing me out of my own account for undisclosed reasons and an indefinite timeline amounted to theft of my own money from me, they told me that I was unprofessional and disconnected the call from me, refusing me any explanation or correction. As of now, I am unable to access my own money.

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 2024-09-25 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
When initially buying the car, we chose a car with a delivery of the next day ( false advertising ) as this was the main reason we chose this vehicle. When the sale and my down payment went through on the XXXX, the delivery date was then set for a week later ( literally 7 whole days ). The day before the contractual delivery date ( XX/XX/year> ) I was emailed at XXXX that the delivery would be delayed another 2 days. I am a nurse and this means I will have to miss work or further delay the delivery to another day im not working. I planned my work week around this delivery and now with this lack of notice I will miss out on well over {$1000.00} of income. Mind you I have already signed a contract and that contract stated the delivery was the XXXX and now it's being pushed back to the XXXX. The car was paid for on the XXXX, the site stated " get it tomorrow '' and then the delivery date was set for the XXXX. 7 days after I signed the contracts. Then apparently they unilaterally changed my contract to the XXXX. Now that they have broken our contractual agreement they are " requiring '' me to go in and sign a NEW contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>XXXX  and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, XXXX, and Equifax credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXXXXXX XXXX XXXX  own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation