vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i was eligible to take out a secondary loan. I was approved for {$700.00}. the payments for the secondary loan was {$84.00} every week on fridays. I had gone out of town due to a family emergency. I was out of work for a week. When i returned back my hours were cut. I had requested to revoke my ACH until i was able to get back on my feet. I had attempted to get back on track. But on XXXX my bank account was overdrawn due to an unexpected expense i needed to cover. on XX/XX/XXXX two payments were taken out of {$61.00} and {$84.00} were drafted which caused my account to get overdrawn and i was charged overdraft fees. I kept getting calls from Cash Advance Now i have reached out to remove my number to add to the do not call list i was told that my number is placed on the do not call list but i kept getting calls. I reached out again explained my situation. Then placed my number on the do not call list. I did stop getting calls but then i got an email stating that the account resolutions hasnt heard from me. Around XXXX  i had experienced a hardship. I sent an email saying that i am in a hardship and to please cease and desist communication until i get back on my feet. I did start picking up hours last week but i had to pay and take care of other obligations. I am on a fixed income and i am barely making it. I can not continue to pay two loans every week. I would like a settlement that is affordable and whatever i have paid before and to close the loan. I do not want to go through another overdraft in my account. This has been very rough for me during the holidays. I reached out through Consumer Finance Protection Bureau explaining the hardship I was going through. On XX/XX/year> I received a response from Cash Advance Now and the response said I made a partial payment and that Cash Advance Now is willing to make a settlement of {$440.00} to settle the account. How much did I pay in total? And I did have intentions on setting up a payment plan but unfortunately I had fallen behind because I had some financial obligations to take care of. which put me behind which I wasnt expecting to happen I would like to settle for what I have paid or go on a payment plan I am on a fixed income and Im barely making it.

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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a statement from BestBuy credit card. I called them reported fraud. They said they will follow up but it still shows up on my credit report, and it is hurting my credit now. 

I did not open the card. It is an identity theft.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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: EQUIFAX, INC.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Please find the details of the disputed account below : XXXX Account Number : XXXX High Balance : {$4900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection ; Dispute resolved; customer disagrees Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was paid and closed, as evidenced by the {$0.00} balance owed and the " Paid '' account rating. Therefore, I request that this inaccurate and derogatory information be removed from my credit report. 

Additionally, as per the FCRA, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information. If you are unable to provide sufficient evidence to verify the accuracy of this account, I demand that it be promptly deleted from my credit report. 

I expect a prompt response to this dispute within 30 days from the date of this letter, as required by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I received an email from Nelnet Student Loan Servicing in XX/XX/XXXX stating that my ( variable ) interest rate was changing within the next 1-2 billing cycles. This is the way in which my interest fluctuates due to my repayment plan. A few months later, my interest rate went from just under 4 % ( 3.74 % ) to 7.75 %. The fluctuation is due to what is going on with federal interest rates, which I understand. However, based on what I negotiated with the servicer ( Nelnet now Sloan Servicing ) I was supposed to receive a 2 % reduction for 48 months of on-time payments. I was also to receive a .25 % reduction as an incentive for having my electronic payments automatically withdrawn. In the first call, the rep mentioned that all of the incentives had fallen off with the rate increase, but she could not tell me why. She agreed that the 7.75 rate should be reflecting that 2.25 % incentive. She turned the matter over to researchers for further investigation and said someone would contact me within 2 weeks. They did not! So I reached back out again and inquired. They still could not give me an explanation & turned it back over to " research. '' Eventually after multiple inquiries, they did put the .25 % incentive back on, bringing my interest down to 7.51 %. One representative told me that the reason the 2 % dropped off because I made a " late payment '' in XXXX. However, this makes no sense if the on-time payment requirement was for 48 consecutive months. I asked for a detailed payment history. They sent me statements dating back to XXXX and there were no late payments reflected. Furthermore, if they only have payment history back to XXXX, how would they be able to find a late payment in XXXX. I would really appreciate this matter being investigated promptly as I am looking to consolidate my loans via the Direct Consolidation program, at which time the interest rate will be locked in at my current rate, which should be 5.75 % and not 7.75 %. Thank you.

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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with XXXX XXXX XXXX. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.

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.

Complaint narrative:
On XX/XX/XXXX, I was urgently contacted by Coinbase to provide XXXX information for their compliance team. I promptly provided the information within 7 days, including payslips, identification, account statements and yet, I have heard nothing back. Within 4 weeks, they abruptly restricted my account and cancelled my Coinbase Card. Since then, I have been in a state of financial limbo, unable to access my funds. I can not withdraw it or send it anywhere, and every time I speak to their support team, they provide pre-written scripted answers which provide me with zero information about the closure and about my money. 

I am a XXXX Citizen who works full-time and pays taxes. Despite my continuous efforts to provide them with all the necessary information and my numerous attempts to communicate with their support team, I am met with a deafening silence. I get zero information and no answer to my problems, which is deeply frustrating and disheartening. 

Here is a clear log of my communications with Coinbase : XX/XX/XXXX - I received an email from them asking for compliance information. 

XX/XX/XXXX - I provided all of the information requested and responded to them. I received no response at all, confirming that they were looking at my account. I assumed everything was fine as I did everything requested. 

XX/XX/XXXX - I was notified that my account was suddenly facing closure and that I had to withdraw my XXXX. When asking what happened, I received no information and could not sell or transfer my XXXX as they promised. 

XX/XX/XXXX - I spoke to Coinbase support on the phone and got nowhere after a long phone call. I XX/XX/XXXX - I spoke to Coinbase today and got the same response. With no resolution and no access to my XXXX. Even though they promised that they would allow me access to my funds. 

This is an infuriating cycle and unfortunately, not the first instance that Coinbase has treated their consumers terribly. I am currently facing financial mayhem, and a colossal amount of stress that I could deal without. I am pleading for your immediate assistance so that I can regain access to my XXXX. I have been purchasing XXXX since XXXX, therefore, there is absolutely no valid reason for the account closure or the lack of access to my funds.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX/ Hard Inquiry These accounts do not belong to me. This dispute is not being used as a form of credit repair.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report the account listed as XXXX XXXX incorrectly. The account has several inconsistencies which means it has not been properly validated. Furthermore any account charged off with a balance over {$1.00} that credit balance is due to the consumer so how is this account reporting a high balance and several late payments. 

Account Type - Detail : Flexible spending credit card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$13000.00} {$13000.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
Accounts closed by credit grantor Amount XXXX XXXX XXXX XXXX credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian, & XXXX continue to report the account listed as XXXX XXXX incorrectly. The account has several inconsistencies which means it has not been properly validated. Furthermore any account charged off with a balance over {$1.00} that credit balance is due to the consumer so how is this account reporting a high balance and several late payments. 

Account Type - Detail : Flexible spending credit card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$13000.00} {$13000.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Amount in XXXX XXXX is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I do not have this bill in my name ; I do not know this company. 

CREDENCE RESOURCE MANAGE Last reported XXXX XXXX, XXXX {$3000.00} Open balance XXXX XXXX XXXX  Original creditor Opened XX/XX/XXXX ( XXXX XXXX )

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: MO

Complaint narrative:
To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : 1. XXXX XXXX XXXX Reason for Closure : Terms met account is paid. 


Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have an authorized user account on my credit report. I've asked Equifax and XXXX to remove it as I'm not responsible for this account. I've been requesting they remove for months. XXXX says they removed me from the account in XXXX XXXX. However, it is still showing up on my Equifax credit report.

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: OH

Complaint narrative:
Recently checked all 3 reporting accounts and noticed a lot of inquiries from multiple sources. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate. I have attached a letter detailing the inaccuracies I have identified. I request a thorough investigation into these discrepancies and for the appropriate corrections to be made. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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