vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I had a collection account that was paid off through an offset to my federal taxes. The account was not removed from my credit report, so on XX/XX/XXXX, I called Harvard Collections and they requested that I send an email to them with an attachment showing that the debt was paid. I did this on XX/XX/XXXX as well. I also filed a dispute with all 3 credit bureaus. Harvard responded to my email saying the account was submitted for deletion on XX/XX/XXXX. The account did come off of both XXXX and XXXX initially, but now it is back on there. As for XXXX, the debt never deleted and is now listed as being verified on XX/XX/XXXX. This is the same date they claim they submitted the request for deletion, and well after the debt was paid. As they are the company reporting the negative information, they have a duty to verify the accuracy of the information they report, which they are apparently failing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
XXXX XXXX XXXX is inaccurately reporting information on my credit report. I have never signed a contract with them agreeing to pay them any money owed. It is reporting as a collection account as of XX/XX/2020. The statute of limitations in South Carolina to collect on a debt is 3 years. The statute of limitations has thus expired. They are also report the collection as past due every month. A collection can not be reported as past due. Please have XXXX XXXX XXXX verify this debt and show indisputable proof that I owe them this debt. If they can not, please remove from my credit report immediately as this inaccurate information is having a negative impact on my credit profile as well as my credit score. I am currently trying to purchase a home for my family and this inaccurate reporting is hindering me from doing so. Thanks for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See document 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 non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Coinbase, Inc.
State: ME

Complaint narrative:
A few months ago my coinbase XXXX card was deactivated, when I asked coinbase why it was deactivated they said they could not tell me why. Shortly after the deactivation I had a small refund post to the card, however it was small and did not worry me much about not getting it. However recently an additional {$150.00} refund posted to the card, this is a larger amount and so I tried to contact the live chat in the coinbase app to get my total card balance and how to withdraw it. The app told me to call the coinbase support number on the bank card. I first asked XXXX what would happen to the money and they said the bank should reverse the refund and it will go to my XXXX balance, however over a week later it was never reversed so I called the number on the coinbase card and they said they can't check my balance because it is closed and to contact the app live chat to withdraw it. But the app live chat just tells me to call the number and instantly ends the chat, not allowing me to speak to a human on the chat. I am at a loss, don't know how to get my money back or how to get in communication with anyone. I have over {$150.00} in the account, I believe the other refund amount was like {$25.00} so probably closer to {$200.00} in there

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Reported my payment as late despite the fact that I paid on time. Their app made me submit XXXX different payments before it ever updated XXXX payment didnt go through due to the app. I was later hit with a XXXX day late. I want them to remove that late because the account is paid off in full and I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to lodge a formal complaint against Citibank regarding the abrupt and unexplained closure of my savings account, and their subsequent refusal to release my funds or provide a clear explanation for their actions. 

On XX/XX/2024, I opened a savings account with Citibank, prompted by several solicitations from the bank itself. Following the opening of my account, I transferred {$120.00} from my XXXX account to my new Citibank savings account. It was not until XX/XX/2024, when I received an ATM card, that I was able to access my account online. The following day, I made a test transfer of {$50.00} back to my XXXX account to understand the transaction times involved. 

On XX/XX/2024, I transferred {$7500.00} from my XXXX account to my Citibank savings account, for which I received a confirmation email. However, the very next day, I discovered that my access to my account had been blocked without any prior communication from Citibank, whether by mail, phone, text, or email. 

Upon contacting customer support to inquire about the situation, I was met with a refusal to provide any details about the matter, with the only explanation being that Citibank had decided they no longer wished to have me as a customer. This was attributed to matters handled under their fraud prevention measures, yet no evidence or specific reasoning was provided. When I inquired about the return of my funds, I was informed that it might take up to XXXX days, a time frame that is both unreasonable and unsupported by any clear policy or explanation. 

This lack of communication and the refusal to engage with me on the matter has left me feeling unjustly treated and suspected without cause. The funds in question are rightfully mine, and the abrupt denial of access to them without a clear and justifiable reason is not only distressing but also potentially detrimental to my financial well-being. 

I kindly request the intervention of the Consumer Financial Protection Bureau to assist in resolving this matter. I seek a full explanation from Citibank regarding the closure of my account, immediate access to my funds, and assurance that such incidents do not recur in the future to myself or other customers. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required.

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 2024-03-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! 

You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-03-29 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2024-03-29 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/24 I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX ) after seeking movers online. I was given a quote and told I had to pay XXXX % as a deposit via XXXX. The movers were to arrive on XXXX. I was in contact with XXXX  XXXX the entire time who said he would personally handle my move. On the day of my move XXXX  XXXX stopped responding to me. He only responded to my friends who texted him from a different number. I also called the customer service line several times from my number and did not receive a response. However, when I called with a private number, I received an answer from a representative I asked. When was I going to receive my service, and she said I wasnt confirmed I told her I had paid a deposit of {$1300.00} and she said my pick up was awaiting confirmation, which was contradictory to what I was told by our XXXX. I asked if I can get a refund since I was not confirmed by them even though it was my pick up date and she told me we can not refund you because you were confirmed on XXXX, which also contradicted what she said previously. Wells Fargo bank said they are unable to refund me due to this being an XXXX transaction and the company ran off the with my deposit with no intention of ever providing a service.

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 2024-03-29 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
ONLINE INFORMATION SERVICES : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX I was contacted via phone by this company about a debt from XXXX. Over XXXX years old. I called the utility company and the account is closed and I'm in good standing. The debt collector refused to give me any information or bills and wanted to me to do a transfer of money over the phone. This even if true ... .. is over XXXX years old. Then after stating I had no clue who they were. They are now hitting my credit. This is obviously against the law. Company also has no contact information on the reporting and refused to give me statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am VERY DISAPPOINTED with my RESPONSE FROM AMEX for the adverse action denial letter I received regarding BOTH open-ended consumer credit plan. SO, BEFORE I REPORT THIS COMPANY AMERICAN EXPRESS FOR SECURITY XXXX TO THE SEC FACT : I was denied. 
FACT : In the denial letter it was stated that my current credit report WAS USED to do so. 
FACT : 15 USC 1681i states I have the RIGHT to dispute this denial FACT : IF I CONTINUE TO BE DENIED YOU WILL BE IN VIOLATION OF 15 USC 1681 WILLFUL NON-COMPLAINCE FACT : NO COMPANY CAN PULL MY CREDIT FOR ANY PURPOSE OTHER THAN CHILD SUPPORT 15 USC 1673 ( a ) ( b ) ( c ) Public Law XXXX FACT : No company can legally report ANY LATE PAYMENTS ON MY CREDIT REPORT 15 USC 1666 XXXX a ) Timing of payments, it also clarifies how to use the opened consumer credit plan by signing each statement accepting for value and returning FACT : I WAS DENIED BECAUSE YOU WANT ME TO PAY WITH DEBT NOTES AND THAT IS NOT A LEGAL FORM OF TENDER FACT : 15 USC 1666 ( b ) Grace Period states, I have time to repay any portion of this without incurring any additional finance charges FACT : WHOMEVER CHECKED MY XXXX XXXX FOR THIS OPEN-ENDED CONSUMER CREDIT PLAN DID IT UNLAWFULLY AND UNJUSTLY. 
YOU ARE BREAKING THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's my name and address

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