vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: CCS Financial Services, Inc.
State: OK

Complaint narrative:
Credit Colection Services AddressXXXX XXXX XXXX XXXX XXXX, XXXX, is violating my rights and the law. 
File NumberXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX 15 USC 1681i If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a late payment & not sure why. I made two recent payment on XX/XX/year> & XXXX. I never was notified by Wells Fargo either on a missed payment. Im asking this late payment to be taken off 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 monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX XXXX from it, which is a few XXXX, they will not release. I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another XXXX address, it freezes on " Loading '', all after typing the XXXX  XXXX code and the receiving address. 

No information was requested as coinbase stated, instead they gave just a couple day window to withdraw and I was not home at the time. That is unrealistic. 

PLEASE FIX THIS ISSUE. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violationregarding the reinsertion of previously delited material into my credit report. I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from mycredit report, continuing to violate FCRA regulations.| TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early 2023, I opened a Chase Business checking account for my real estate investment business at a Chase bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and deposited a check for {$660.00} addressed to the business. I later flipped a house and was set to close escrow in XX/XX/2023 and asked for my funds to be deposited into the checking account but was alerted that the wire did not go through. After calling Chase, they told me my account was closed due to suspicion of fraud and would not go into detail besides saying the company had the right to do close any account for any reason. I accepted this and took my business elsewhere but they would not give me back my initial deposit. 

I have been to multiple branch locations and spoken to many customer service people on the phone weekly and have not received any new information or insight to when I will receive my initial deposit back. The only information they tell me is that an internal fraud team is investigating and there is no further escalation or way to contact them so they have essentially stolen my money for over 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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 pulled my credit report and noticed inaccurate information on my profile. I have sent several letters to the Bureaus and have not gotten this resolved. I also sent them an identity theft letter that shows my information was compromised but the inquiries are still on my profile. The unauthorized inquiries are : XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX  XXXX XXXX Inquiry  : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Miscellaneous XXXX. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2024-05-05 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: GA

Complaint narrative:
I have some unauthorized inquiries on my consumer profile and don't recognize them. I would like for the unauthorized inquiries to be removed immediately.

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 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XX/XX/year> I purchased a car through credit acceptance. In XX/XX/year> I was injured at work and unable to continue making my payments. In XX/XX/year> my car disappeared. I called credit acceptance to ask if they had repossessed my car due to non payment they advised me they do not do repossessions. I never found my car and I was never able to resume paying. I recently looked at my contract that stated that if I am delinquent on my payments my car will be repossessed they are lying to me about repossession of my car they are still charging me and they are charging my account as 180 days late for the last 6 years when they already repossessed my car they are destroying my credit and my life

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 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I had been a loyal customer of XXXX XXXX since XXXX. In XXXX, XXXX XXXX charged me XXXX XXXX XXXX  to start my internet service account during the Covid pandemic. I repeatedly told the customer service representative that I only needed internet service and that all other telecommunication services were not needed. The company offered educators free internet for a period of time as we were preparing to work from home. XXXX XXXX overcharged me from day one. I never received the free Internet services they said they'd offer to educators, and never told me that there would be fees involved because I was a 'new ' customer. I do not have the bills because I selected 'paperless billing ' and all prove of payments will come from my bank statements in XXXX. For over a year, they continued to bill me for voice service even after I said I did not need the service. 
I continued to pay the amount I was billed- often double the cost of internet service offered by other telecommunication companies. Within 3 months after I cancelled my services in XX/XX/XXXX, XXXX  sent a notice to a collections agency ( XXXX XXXX ) who harassed me daily despite after telling them that I did not owe any payments to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NJ

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXXXXXX XXXX , started reporting negatively to my account when I noticed they were already reporting for a few months missed payments. I was a victim of identity theft and did not grant permission to 1 report to my consumer report or grant permission to use my ssn and first and last name. I have contacted them on a calculus of occasions and have sent in a litany of correspondence to no avail. I have a consumers report an ftc report as well as affidavit to affirm my truths. Even as well as reached out to cars as they have verified the account even tho my address is incorrect and I have provided affidavit sent to company with tracking numbers in which they had 30 days to respond or removed the negative reports but still have not. I have also pulled a report from the Secretary of State in regards to any debt owed to anyone by myself registered with the state or liens. Which further confirms I have no obligations to pay anyone

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 2024-05-05 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: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 USC 1666b clearly states that no creditor can mark any payments as late for any reason.

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 2024-05-05 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: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 USC 1666b clearly states that no creditor can mark any payments as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: TN

Complaint narrative:
delete hard inquiries 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.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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.

DELETE THE ACCOUNST 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
A few years ago, Sallie Mae ( now Navient ) mishandled the consolidation of my student loans and therefore, as a result, the government revoked the " insured '' status of 1 of my loans -- in particular, a FFELP loan ( for approx. {$1800.00} ). 

All the rest of my student loans are held by XXXX and are in PSLF. 
But because of Navient 's fault, XXXX informs me that the Navient FFEL does not qualify for consolidation, because Navient lost its " insured '' status for this loan. 



Now I am contacting you, the CFPB, to ask if you could intervene for people like me who are being victimized by Navient. Through no fault of the borrower ( me ), Navient 's mishandling of my loan led to the loss of its " insured '' status, and depriving me of using PSLF. 



How many tens of thousands of other Navient loan holders are being similarly victimized, deprived of the ability to use PSLF because of Navient 's negligence and fraud, leading to the revocation of the " insured '' status of our loans? 



Please help us all by making all of these Navient " uninsured '' loans now qualify for inclusion in consolidations with XXXX and placed into the PSLF program. 



Many thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.

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 2024-05-05 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed two accounts that are not reporting accurately. I have two late payments on accounts that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the below dates. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Account Number : XXXX ( XX/XX/XXXX ) XXXX Account Number : 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 2024-05-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX  is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.

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 2024-05-05 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: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.

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 2024-05-05 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: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX XXXX Account Information Address XXXX XXXXXXXX XXXX XXXX MI XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TN

Complaint narrative:
I have been requesting proof of the alleged account XXXX XXXX XXXX XXXX in the amount of {$10000.00} since XX/XX/2022. Whenever I dispute the inaccuracy, Transunion sends a reply that the debt was verified ; however, I have never received debt verification. 

If it is a charged off account, then there should be a 1099-C. I have also requested this from Transunion since XXXX and I have not received it. I have requested the original contract bearing my signature and I have not received it. 

Also if it is a closed/charge off account, how is it reflecting a balance? Is it charged off or past due? Charged off accounts can not reflect a balance. This is a violation of the FCRA and METRO2 reporting standards. 

Transunion should not be allowed to report this account on my credit report any longer. Provide proof or remove completely.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
account was paid off company has no knowledge or information regarding this account but has a negative report on 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