vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received first notice of alleged debt on XX/XX/2024, from XXXX XXXX XXXX. Responded via mail with debt verification and debt dispute notice on XX/XX/2024. Received second letter on XX/XX/2024, stating they are willing to talk about services provided. Firm did NOT send any verification information about debt or if they legally owned stated debt. Sent second debt verification notice to firm, again requesting validating information about alleged debt on XXXX XXXX, 2024. 

XXXX XXXX, 2024, received notice of legal action filed on XXXX XXXX, 2024, from Attorney XXXX XXXX XXXX, allegedly associated with firm. Legal paperwork issued had limited information about alleged debt, did not include original agreement between original XXXX parties or other verification information. Listed Attorney of record on subpoena is XXXX XXXX, associated with firm. 

Sent Email to all parties about original debt dispute on XXXX XXXX, 2024. Received response only from XXXX XXXX stating " Thank you for your email. I've escalated this matter to the dispute team. '' on the same day. 

There has been nothing further from any party involved with the XXXX XXXX firm. I believe they have violated FDCPA by not providing any debt verification information at any time during this dispute, by filing legal action while I specifically disputed this alleged debt collection.

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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I logged in to my coinbase account and selected to transfer {$2200.00} worth of XXXX   to my XXXX  account after putting in my XXXX  XXXX   address on the coinbase network a list then popped up of a list of different networks to use to transfer my XXXX  from coinbase to my XXXX  account with the top XXXX on this list flashing in different colors fastest and cheapest option to transfer my XXXX  I chose that one after waiting and waiting a few hours and not receiving my XXXX  in my XXXX  account I contacted XXXX on XX/XX/XXXX to find out what was going on they then advised me that they do not accept the XXXX XXXX to receive XXXX  in my account and thats why the XXXX  wasnt showing and that the XXXX XXXX was owned by Coinbase and to reach out to coinbase I contacted coinbase on XX/XX/XXXX letting them know what happened and this was very deceptive on there part knowing that a lot places did not accept the XXXX XXXX to transfer XXXX and there was no pop up option to let me know that by choosing this XXXX XXXX transfer option that where I was sending it to would also need to accept the XXXX XXXX the rep had nothing to say more than we sent it to the address provided and I told the coinbase rep thats not acceptable because it didnt get to my XXXX  address I filed a written complaint to coinbase on XX/XX/XXXX they responded to me on XX/XX/XXXX stating we explained that the funds have been successfully sent and if I am having trouble locating the funds I sent to contact the company I sent it to this is unacceptable because coinbase owns the XXXX XXXX  option I chose from the list and was the only XXXX on the list that was flashing in different colors XXXX the cheapest and fastest option to transfer my XXXX  they benefited and profited from the fees they charged me to transfer my XXXX  that I didnt received I called coinbase again on XX/XX/XXXX where rep  proceeded to tell me the same thing that they sent it I told her that there should be a disclosure or pop up letting consumers know that if they choose to use the XXXX XXXX that where they are sending there XXXX  to has to accept it also I would like coinbase to refund me my {$2200.00} of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I am writing to formally request the removal of the charge-off reported on my credit file associated with account number : XXXX and account number : XXXX. This request is directed toward the charge-off recorded on XX/XX/XXXX and XX/XX/XXXX, as listed in my credit report. After reviewing my financial records and the circumstances that led to the reported status, I believe that the charge-off was reported in error due. To support my claim, I have included relevant screenshot. I kindly ask that you review my case and consider the removal of this charge-off from my credit records. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 

Account number : XXXX XXXX charged off XX/XX/XXXX Account number : XXXX XXXX charged off 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 explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The account is 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 2024-04-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. XXXX and XXXX are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
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:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm feeling XXXX XXXX XXXX XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-04-24 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: LA

Complaint narrative:
I'm feeling XXXX XXXX XXXX XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I got a car back in XXXX and I have been paying on it for years, during covid XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fell behind on payments they continued to keep adding payments and fees to the amount, my original loan was for XXXX XXXX and some odd dollars, i have paid XXXX $ for this car in total. well over the amount that should have been paid for this vehicle. this vehicle was a XXXX XXXX with XXXX miles and a blown radiator. I was tricked into a horrible contract which i have well paid for with my hard earned money! they since have added XXXX $ more in addiction to my loan and now repossed my car and caused further damage, i feel like i have legally been robbed. this company refuses to work with people they are inhumane and i was hung up on several times. the company has done absolutely nothing to help. They are ruining my life for a XXXX vehicle that's technically paid off!

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 2024-04-24 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Ive paid all amounts owed to the following property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The attached file is my final account statement, reflecting that the was no remaining balance as I had paid all that I owed on the account. 

The account KIMBALL TIREY STJOHN is reporting that I had an amount due of {$550.00} as of XX/XX/XXXX originally owed from XXXX XXXX XXXX XXXX - that they are trying to collect, but as the attached Final Account Statement from XXXX XXXX XXXX XXXX with the date XX/XX/XXXX shows this is not true, and that there is no remaining balance from them as they are stating. 

Additionally, this amount was not reported to me until XX/XX/XXXX. Where I received a letter advising I owe them over {$2000.00}, which includes the accrued monthly late fees of an amount they state exists but does not. 

This is a blatant abuse of my financial rights and is unfair conduct, inflicting an extremely negative affect on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-24 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEMS  Account XXXX NATIONAL CREDIT SYSTEMS Account XXXX 15 USC 1692 ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. I know my rights and I will Sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am reaching out to voice my concerns about how my dispute over incorrect late accounts listed on my credit report was managed. 

Recently, I got an updated letter from your company stating that these inaccurately reported late accounts were verified. However, I'm concerned about the apparent neglect of the new and relevant information I submitted, which clearly shows these late accounts are inaccuracies. I wonder if this information was shared with the creditor during your investigation. 

During my study on the management of consumer complaints, I encountered details on the XXXX XXXX  utilized by your organization for probing into these matters. It's crucial to underline that this mechanism is not without its flaws, and its dependency could result in imprecisions while resolving disputes. 

Moreover, Federal Trade Commission ( FTC ) regulations mandate that credit bureaus must carry out comprehensive investigations into consumer disputes, rather than just echoing data from creditors and collection agencies. A genuine investigation must be carried out on the mentioned late account. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your company fails to take the necessary steps, I will be compelled to lodge several complaints and consult with a lawyer who specializes in the Fair Credit Reporting Act ( FCRA ). 

I strongly recommend initiating a fresh inquiry into this issue immediately, making certain that my rights according to the FCRA are maintained. 

I appreciate your focus on this issue. 

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 2024-04-24 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: TX

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed 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 2024-04-24 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: PA

Complaint narrative:
The information attached to this complaint is identified as identity theft and is not relatable to any transactions made by me. I am a victim of identity theft and did not make these charges I am requesting you block and delete the information my request is not made in error nor is my request is a result of misrepresentation.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, I have received a letter from XXXX XXXX addressed XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to ask me for the inquiry regarding its dispute case ID XXXX regarding my Bank of American account # ending XXXX. It asked me whether I have any more rebuttal statement. At this moment, I would like to comment that you will give me further explanation on the banking documents originally sent by above-mentioned company, XXXX XXXX. This company asked me to make the correspondence with one of the Bank of American branches addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX ( XXXX ). Upon searching internet, I am not sure the legality of the information of this branch ; therefore, I have decided to share this information for security of privacy. 
Sincerely,

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris Law Group
State: TX

Complaint narrative:
I am in the middle of buying a house and a judgement popped up filed XX/XX/XXXX when I filed bankruptcy in XXXX I called XXXX XXXX XXXX at XXXX and not get any response... also called an XXXX that states they are in litigation with this company for XXXX  years that they have not gotten a hold of.

Company response to consumer: Closed with explanation