vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I settled with AMEX and their debt collector on XX/XX/year> for {$2800.00}, and paid {$1500.00} towards the balance and agreed to monthly payments of $ XXXX month from XXXX. Amex debited the {$1500.00} from my account and never followed through with any of the other debits. 

On XX/XX/XXXX I got a call from XXXX XXXX XXXX asking for the full amount of my debt and claiming they had no knowledge of my settlement agreement from the day before. I told them to call AMEX and get the settlement agreement from them. I called AMEX and told them to send the info to Radius and I thought I was done. But no. I have been following up on their harassing calls for months, I have opened an " investigation '' with AMEX, and I have gotten no where. I have sent a copy of the settlement offer that AMEX gave me on XX/XX/XXXX, and still got no reply. 

I am deaf  so I have repeatedly asked to get written responses to my emails to Radius and AMEX, because talking on the phone is difficult for me, and I don't always understand the terms. This is called asking for a reasonable accommodation for my XXXX and is required by law under the ADA, the American 's with Disabilities Act. But so far, all of my emails have gone unanswered. 

I am at their mercy. I can't force them to take the payments out of my account and now I'm afraid they are going to either run out the clock and force me out of the settlement, or take out XXXX lump sum when my account is low, and cause me to be XXXX XXXX  They have ignored all of my emails and calls and I've made over XXXX of them and have wasted hundreds of hours trying to settle this. In addition, they have disrespected my request for an accommodation for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Bank, constantly charging overdraft fee and over charging and excessive credit card payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
coinbase will not let me unlock my account. And I sent them every identification document that I have. And they won't accept it. this has been going on for 2 months now. I'm going homeless because of the situation. I've asked them and show them all kinds of identification and it keeps sending me back the same email over and over and I've told them about my situation. I'm XXXX i'm living off social Security XXXX I was living in California and now I'm living in XXXX, XXXX. And they will not accept any of my information. Or ID bank statement Passport? California Driver 's license nothing. 
I can not pay my bills unless I access my account. And they will not help me out. I've sent them over XXXX emails to provide them with all the information. I have renters agreement addresses everything. And I'm getting nowhere with them and like I said. I'm going homelesss if I can't access my account. I feel like they're doing this on purpose. And they wan na keep my funds in my assets. This is killing me right now. Financially ends breaking me down mentally. 
And like I said, I've tried over and over and over and sent them all kinds of information and they're still denying me. I need help really, really bad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I am writing to formally dispute the inclusion of a collection account on my credit report, which I believe is the result of fraudulent activity. The account in question is listed under the name XXXX XXXX and associated with the account number XXXX. 
Date opened XXXX XXXX I did not authorize, open, or incur any debt related to this account. I have no knowledge of the transaction or any relationship with XXXX XXXX. Therefore, I believe that this account is the result of identity theft or fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the fraudulent collection account from my credit report as soon as possible. To support my dispute, I have attached the following documents : A copy of the police report I filed regarding the fraudulent activity. 
Proof of my identity ( e.g., government-issued identification and utility bill ). 
Any additional documents or correspondence related to this dispute, if applicable. 
I respectfully request that you conduct a thorough investigation into this matter and provide me with written confirmation of the removal of this account from my credit report. As per the FCRA, I understand that you are required to resolve disputes within 30 days of receiving this letter. 

Once the investigation is complete, please send me an updated copy of my credit report that reflects the removal of this fraudulent collection account. 

Thank you for your attention to this important matter. I look forward to your prompt response.

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 2024-12-06 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: TX

Complaint narrative:
I am writing to formally dispute the inclusion of a collection account on my credit report, which I believe is the result of fraudulent activity. The account in question is listed under the name XXXX XXXX and associated with the account number XXXX. 
Date opened XXXX XXXX I did not authorize, open, or incur any debt related to this account. I have no knowledge of the transaction or any relationship with XXXX XXXX. Therefore, I believe that this account is the result of identity theft or fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the fraudulent collection account from my credit report as soon as possible. To support my dispute, I have attached the following documents : A copy of the police report I filed regarding the fraudulent activity. 
Proof of my identity ( e.g., government-issued identification and utility bill ). 
Any additional documents or correspondence related to this dispute, if applicable. 
I respectfully request that you conduct a thorough investigation into this matter and provide me with written confirmation of the removal of this account from my credit report. As per the FCRA, I understand that you are required to resolve disputes within 30 days of receiving this letter. 

Once the investigation is complete, please send me an updated copy of my credit report that reflects the removal of this fraudulent collection account. 

Thank you for your attention to this important matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Identity Theft Dispute and Request for Investigation Under FCRA Section 605B Dear CFPB Representative, I am writing to formally dispute the inclusion of certain fraudulent information on my credit file as a result of identity theft. The following social security numbers, addresses, and accounts do not belong to me and must be corrected or removed pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX Correct Address XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Social Security Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : XXXX. XXXX XXXX o Account number : XXXX o Status : Open, Balance {$160.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX o Status : Open, {$370.00} past due as of XX/XX/XXXX, Balance {$1900.00} XXXX. XXXX XXXX Bank XXXX XXXX Account number : XXXX o Status : Paid, Closed as of XX/XX/XXXX XXXX. XXXX XXXX XXXX o Account number : XXXX o Status : Paid, Closed as of XXXX XXXX XXXX. XXXX XXXX o Account number : XXXX o Status : Paid in XXXX  as of XX/XX/XXXX These accounts were fraudulently opened or reported without my knowledge or consent. I have attached an identity theft affidavit and supporting documentation to assist in verifying my claims. 
Requested Action : Under FCRA XXXX XXXX, I request that the CFPB take the following actions : XXXX. XXXX and permanently remove all fraudulent information from my credit file. 
XXXX. Refrain from reporting any of this information to third parties. 
XXXX. Provide written confirmation of the removal of these items. 
Please confirm receipt of this letter and update me on the status of your investigation. If you require any additional information, do not hesitate to contact me using the details above. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am a victim of identity theft. Because of this my credit report with Experian is not 100 % accurate. I am seeking remedy by asking that all that I have identified as identity theft be permanently blocked, deleted, and removed from my credit report as required under Section 605B of the FCRA. Please see attached.

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 2024-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
After reviewing my consumer report, United Revenue reported a XXXX collection in my consumer file. I have no knowledge of this collection, nor did I receive any correspondence concerning this collection. I requested United Revenue to provide validation of the debt on XXXX XXXX which they never responded. I have filed a complaint with the Attorney General XXXX also for non-compliance. Under the FDCPA unverifiable accounts must be removed. 

United Revenue Corp Account # XXXX XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
I viewed my credit report and found Inquires that I have not authorize. I am writing to dispute and request the removal of the unauthorized or potentially fraudulent credit inquiries from my credit report. I have submitted a report of the activity to the Federal trade commission and provided documentation Below.

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 2024-12-06 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: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-06 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: MD

Complaint narrative:
I am raising a formal complaint about an unauthorized and inaccurate collection account being reported on my credit report with TransUnion. Despite invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting the debt collector stop all communication, they continue to report this collection to TransUnion. This constitutes ongoing communication and negatively impacts my financial standing. This reporting is also a violation of the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate and remains on my report even after a dispute.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> a branch banker at XXXX XXXX branch lady named XXXX was assisting me on my request for a vehicle loan. She told me that I needed to be a member and have an account to submit a loan application. I said that is fine what is the prerequisites? She then told me I can get a full service checking that comes with a saving {$25.00} for checking {$1.00} for savings. I agreed to it so we can move forward to submit a loan application. She asked me questions about my occupation but did not have significant knowledge as to if it matter how long I was at my current job. She then proceeded to still submit the loan and the underwriter denied my loan because I was not in my current position for at minimum of 13 months. I decided to act on this matter and call the XXXX number to verify with a customer representative the prerequisites with the bank of getting a vehicle loan. I was told that I only needed a savings accounts ONLY to submit a loan application. I was deceived and feel very upset with the process and misrepresentation of not being given full disclosure. I did not even receive any banking pamphlets or information on the accounts I created at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-06 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: MO

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
have sent out previous letters that the courts dont verify public records nor do they report to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I would like these inquiries to be deleted because I did not authorize them to run my credit.

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 2024-12-06 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: AZ

Complaint narrative:
On XX/XX/scrub>XXXX I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct 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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Someone else tried to open a Discover Card 5 days ago in my name using my social security number. Discover Card called me today and I called back wherein they froze the application and gave me the XXXX credit companies to FREEZE credit, which I have done so on XX/XX/2024. I am now reporting this identity theft to the FTC / CFPB.

Company response to consumer: Closed with non-monetary relief