vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase ( coinbase.com ) is a public company. They deal in crypto currencies. 
Like stock exchange XXXX of people have accounts with them dealing in online buy and sell of cryptos. 
The company does NOT have any proper customer support option on website. An AI bot is their with pre fed up questions with limited scope. 
As they deal with public money and trust, it is requested to make available a human customer representative to assist clients based on their urgent needs. 
The company may have a human customer support representative But it is impossible to get to him through website for an common person. 
Kindly request this multi XXXX company to re-visit their customer support functionality as they don't have any physical reach out offices for face to face interaction. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Subject : Formal Request for Compliance Under XXXX XXXX Standards Account # XXXX To Whom It May Concern, I am writing regarding the collection account listed under Account # XXXX, which Capio Partners has been reporting to all major credit reporting agencies. As a XXXX-party debt collector, Capio Partners is required to comply with both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as adhere to XXXX XXXX reporting standards for accurate and complete credit reporting. 

Details of the Situation : Date Opened : XX/XX/year> Amount Reported : {$980.00} Credit Reporting : Capio Partners has reported this account to all XXXX  credit bureaus, impacting my creditworthiness. 
Issue : Despite multiple disputes, Capio Partners has failed to provide proper validation of the debt or evidence that their reporting complies with XXXX XXXX standards. 

Actions Requested : To resolve this matter and ensure compliance, I am requesting that Capio Partners provide the following : XXXX. Proof of Ownership : Documentation showing that Capio Partners legally owns or has been assigned the right to collect this debt. 
XXXX. Date of XXXX Delinquency ( DOFD ) : This information is necessary to confirm whether the account is accurately reported and within the permissible reporting period under the FCRA. 
XXXX. Original Creditor Documentation : A copy of the original agreement with US XXXX XXXX XXXX that shows my obligation to this debt. 
XXXX. Detailed Account Breakdown : An itemized calculation of the balance, including the original amount, interest, fees, and any other charges. 
XXXX. XXXX XXXX Compliance : Confirmation that the reporting of this account meets XXXX XXXX guidelines, including proper assignment of the DOFD and accurate reporting of account status. 

Resolution Requested : If Capio Partners is unable to provide the requested information, I demand the immediate removal of this account from all credit reports and cessation of all collection activities. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. 

Timeline : Please provide the requested information or confirmation of account deletion within XXXX  days of receipt of this letter. If this matter is not resolved, I will pursue further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-29 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: PA

Complaint narrative:
I am seeking assistance with an inaccurate account showing on my credit report. This error has damaged my reputation as a customer, and I need your help to address it. These accounts are reported negatively and inaccurately and must be taken 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 2024-11-29 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: SC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-29 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NE

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
A collection company that I have not received a written notice from is still on my credit report and I have asked to receive the information about the original contract via mail and I have received no response. 

That was on XX/XX/year> that I requested it. 

They have caused a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/year> I was notified by XXXX that my scores decreased. When I logged in, I saw a collection of debt that isn't mine. It's for {$220.00} from Credence Resource Management based out of XXXX, TX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX and their phone # is XXXX. It was opened on XX/XX/year> and the account info listed is # XXXX. I will be calling them along with XXXX, XXXX and XXXX to get this resolved after I submit this. 

This happened to me a few months ago with XXXX other utility companies in Texas and have been removed since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
This company Chime is and has been holding consumers funds on holidays and blaming payroll companies for years. Ive talked to many people whove experienced this, and had my own experience with them delaying my direct deposit when it is most vital, while other banks like XXXX XXXX XXXX XXXX XXXX XXXX wont delay the deposit. There is no reason to do this, other than to extract value from our money while it sits. This needs to be investigated in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated. 


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.

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! 


Update the late payments from my consumer reports

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 2024-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NC

Complaint narrative:
Prior to my hospitalization in XX/XX/XXXX, payment was made online. After a lengthy stay, I notify company to arrange a new payment agreement, was told that my balances would incur a 110 % interest rate due to non-payment. 

1st account show balance of {$270.00} 2st account balance on {$540.00} Compnay has listed as charged off since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed inaccurate information in my report. Despite several attempts to send my documents to the credit bureau, they continue to fail to acknowledge my identification. I believe this may be a stall tactic, and the bureau is refusing to comply with FCRA guidelines. 

I am demanding that the credit bureau acknowledge my documents and promptly remove all inaccurate information I have submitted to them. Their failure to act is a clear violation of my rights under the FCRA.

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 2024-11-29 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: FL

Complaint narrative:
I have noticed inaccurate information in my report. Despite several attempts to send my documents to the credit bureau, they continue to fail to acknowledge my identification. I believe this may be a stall tactic, and the bureau is refusing to comply with FCRA guidelines.

I am demanding that the credit bureau acknowledge my documents and promptly remove all inaccurate information I have submitted to them. Their failure to act is a clear violation of my rights under the FCRA.

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 2024-11-29 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: NE

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
I sent an email to Home Loan Serv on XX/XX/year> stating that I made XXXX full payments to my loan. These were applied to the loan and the past due days were lessened. I check my mail to find that they sent me a check back so I gave them a call. I spoke to XXXX and advised that I made XXXX payments and now they set my loan back to 120 days past due ( they left enough to make XXXX payment ) so I asked for that to be applied to the loan. I'm not understanding why the mortgage company will send back a payment instead of paying to the loan. The only reason would be to foreclose on the property instead of allowing me to pay the payments and this is not right for them to send back money instead of applying to the loan. They gave me to other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have received 10 calls from Exeter finance. Within 1 week. The calls are excessive and have no boundaries. I am late on my payment, however its only been two weeks and I do plan on paying as soon as my finances are in order. I do not plan on going over 30 days delinquent I plan on doing the right thing and making my payment when I have funds available due to the holidays and inflation I am just restricted at this particular time. Despite me owning this dept and planning on paying it, Exeter finance has violated my consumer rights under the FCDPA by harassing me with collection calls even receiving the calls on some days within hours of each other. This is worse than harassment, this is psychological abuse. This company needs to be held accountable for this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief