vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Leviton Law Firm, Ltd.
State: GA

Complaint narrative:
I have a debt from a medical supply company that was sold to XXXX XXXX XXXX. I was contacted by XXXX XXXX. I set up payments for twice a month in the amount of {$100.00}. She took it upon herself to draft {$200.00} a week from my account without my consent. I advised her that I did not consent to this agreement and can not afford it and nothing has been done. I have requested that she cancel my payments due to this illegal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-27 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:
A few years ago, I was involved in cryptocurrency mining, so I created an account on Coinbase to manage my crypto assets. Over time, I made many transactions : I bought cryptocurrency on Coinbase with my credit card and transferred my earnings from XXXX to Coinbase. However, while buying and depositing money on Coinbase was not a problem, when I tried to withdraw it, I was informed that this service was not available in my country. 

A few months ago, my account was blocked. I tried to communicate through all possible channels, but I did not receive any assistance in resolving my issues. Later, my account was unblocked, but it now shows a XXXX balance. I would like to know what happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account PROFESSIONAL DEBT MEDIAT XXXXhas violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. Please delete the account information off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: MA

Complaint narrative:
It is so distressing when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-06-27 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: MA

Complaint narrative:
It is so distressing when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-06-27 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller.

Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UBS BANK USA
State: MD

Complaint narrative:
My father passed away in XX/XX/XXXX and designated XXXX equal beneficiaries ( his XXXX children ) for his IRA : myself, my sister ( XXXX XXXX  ) and a XXXX XXXX XXXX XXXX XXXX  ) for my brother. The IRA is currently valued at about {$27000.00} and varies daily with the mutual fund in which it has been invested. 

We have been requesting distribution of the IRA from the bank to the XXXX beneficiaries for XXXX months by email, phone and text. First email record was XX/XX/XXXX and the latest was yesterday. Phone calls began in XXXX and latest was XXXX days ago. We have attached a sampling of the many emails that we sent. 

There is not a single point of contact at the bank. So, each time we contact them, we get a different person who has different, confusing instructions. So far we have determined that ( according to the bank ) each of the beneficiaries must open an IRA account at the bank to receive the funds distributed from my father 's IRA. To date, XXXX IRA account has been established for me. But, the bank is not properly providing my sister with account information because she is XXXX XXXX. She has recently attempted to contact them via email multiple times, but never receives a response. They insist that she speak with them by phone, but their relay service is abysmal and has never worked correctly so my sister does not have an IRA account. 

My brother passed away in XXXX, but the IRA designated his special needs trust and the beneficiary. To date the bank has not contacted the Trust to set up the account. We have provided them with a specific contact, name, address, email and phone at the Trust but they have not followed through. So, my brothers Trust does not have an IRA account. 

So, we are stuck with a bank that clearly has no interest in our relatively small IRA account and is not cooperating with us to move forward with distribution of the funds to the beneficiaries despite many emails ( probably XXXX ) and phone calls ( about XXXX ) to attempt to resolve the issue. We would like prompt action on getting the funds distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, CA. XXXX XXXX XXXX XXXX XXXX, XXXX, CA. XXXX XXXX XXXX XXXX, XXXX, XXXX, CA. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA. XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: McCalla Raymer Leibert Pierce, LLC
State: SC

Complaint narrative:
I am not sure if this is something you look at. I am concerned that rental companies and owners are taking advantage of tenants. The rental market is very competitive and each rental requires an application, renters have to pay an application fee which can be costly. Renters fill out several applications and pay a lot of money only to be denied. This, I believe is really taking advantage of people, especially low income people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, without notice or explanation, Synchrony Bank closed my XXXX XXXX account and reported that it was over the credit limit ; I have never had a late payment and in fact, have paid the account off in-full more than once. At the point that they closed the account, I had already paid the account off in full. During the billing cycle, I did have two returned payments due to the account I was using being in " locked '' status ( which I did not realize ). However, once I realized the error and the system would allow me to pay the bill again ( I tried to pay earlier, but my balance had not yet updated, and their system would not allow me to make another payment, thinking my account was paid off ), I immediately paid the full balance again. This final payment was made on XX/XX/year> and their system told me it would be credited to my account that same day because it was made before the cut-off time ( which I believe was XXXX ). Since XX/XX/year> was the last day in my billing cycle, this payment should have shown on my statement and also should have been included in the balance reported to the credit agencies when the account was reported. However, Synchrony is now reporting to all XXXX bureaus that I am over my credit limit, which is affecting my score.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened a checking account on XX/XX/year> with Ally Bank, transferred funds from my XXXX XXXX account into Ally which then decided to close my account and terminate the partnership on XX/XX/XXXX of this year. They've been holding my funds captive with no date or information on when they will release and return my funds. I've called plenty of times and all I received was the run around on when they will officially close my account siting that they're still " investigating '' I'd like to file a complaint against Ally bank based on unfair practices. I would like my money as soon as possible

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 2024-06-27 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: NJ

Complaint narrative:
My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed.

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. 


XXXX  XXXX 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! 

Delete 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 2024-06-27 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: NJ

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed.

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. 


XXXX  XXXX 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! 

Delete 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 2024-06-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Misuses of my personal information and my personal accounts and being deceptive and untruthful in a consumer credit transaction, see 15 USC 1611 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
( Pub. L. 90321, title I, 112, May 29, 1968, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 210XXXX. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation