vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
IN accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name.. XXXX XXXX XXXX  Account # XXXX Account Name... XXXX XXXX. Account # XXXX 
Account XXXX XXXXXXXX XXXX XXXX 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an 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 item 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : CAPITAL ONE : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a email from Bank of America about I wasnt approved for a credit card that I never applied for. I then checked my credit report and saw on XX/XX/2023 someone fraudulently took out a card in my name using my SS. I would like to have this looked into because this will affect my credit and I just got off bankruptcy. I want to press charges. Please and thank you. Im afraid that this will happen again since my SS is compromised.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Being charged monthly fee when I wasnt supposed to be. Bank charging me overdraft when I didnt want overdraft protection. They always had an excuse for charging me.

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 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: MS

Complaint narrative:
The collection company Hunter Warfield, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I saw the information when I pulled my annual credit report Failed to send a written debt validation letter with the amount of the debt, name of creditor, notice of my right to dispute the debt within XXXX days. 

Called my cell without my permission. 

Making repeated calls. 

Misrepresent and miscalculated the amount of the debt. 

I was not provided the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX  Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXXXXXX ( identity theft ) Account Number XXXX ( please removed ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Account Number XXXX ( needs to be removed ) XXXX15 U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX provided the name of XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX  provided the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
My auto insurance paid off the vehicle. And XXXX does not remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 165B : A creditor may not treat a payment on a credit card account under a open or close end consumer credit plan as late for any purpose.

I want this deleted asap because I did not authorized nothing or sign nothing of a debt, plus I dont own any debt to any renters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance to the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I wish to practice my right as a customer of Coinbase to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : # XXXX ) with Coinbase. In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by Ethminingsvip.com which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies. 

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XX/XX/2022 ON EXPERIAN CREDIT REPORT XXXX XX/XX/2022 EXPERIAN CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT CREDIT PLUS XX/XX/2022 XXXX 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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union has updated my mortgage account by verifying inaccurate information on my credit report payment history. My family had enrolled in the PAHAF  program for Covid-19 hardship assistance. Navy Federal was made aware of this from the beginning. Navy Federal even gave us a Covid-19 accommodation by filling out the forms for the assistance program. Navy Federal also received funds directly from the states Covid-19 program and still reported our mortgage as late. The law that Navy Federal is violating is 15 U.S.C.1681s-2 ( a ) ( 1 ). Congress passed federal law to protect consumers from harmful credit reporting during the Covid-19 pandemic crisis. This law temporarily has amended the FCRA, which all furnisher companies must obey. Furthermore under 15 U.S.C.1681s- ( 2 ) ( b ), Navy Federal has just opened itself up to Private Right of Action by verifying and updating inaccurate information to my credit report. I have sent Navy Federal proof of this by certified mail. I want the CFPB to step in and fight for my consumer rights. Or I will be force to hire a FCRA consumer attorney, and file a lawsuit against Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I called on XX/XX/28 at XXXX AM. The company refused to close my account and stated that, " we can close XXXX account but not all accounts. " State law requires the bank to close my account within a reasonable amount of time after making the request. I'm not sure why they think this law doesn't apply to them.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AR

Complaint narrative:
I am a veteran, I was given a phone number to call and schedule me an appointment for an increase on my claim/XXXX. I had requested an appointment and then received my appointments and I also had to se a XXXX  during a facetime interview. There was nothing signed. I reached and made this appointments my self. I was later notified and harassed by this person name XXXX who told me to XXXX  him payments XXXX  name ( $ XXXX ). Payment XXXX XXXX he received XXXX. 
He was able to see my medical files and tell me about my claims without my knowledge, breaking every chain of HIPPA. He has sent information to the collection company named American profit Recovery Inc. for an amount of XXXX. This is not only fraudulent ; harassments ; this man nor company did nothing. He was able to contact me and tell me I received a 100 % on my XXXX thorough VA. That alone is a HIPPA Violation. I had to put extra security on my accounts because he was able to see them. How? He did not help me any any way. I called and got this set up myself. So, im not understanding the debt collection. I called and scheduled my appointments and was out sourced for them. I owe this an or fraudulent company nothing. I have informed also made the VA hospital aware of this scam, I also let them know about an employee XXXX XXXX and XXXX XXXX " Department Of Veteran Affairs LR AR who is also in on this scam with him getting wealth off XXXX veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, This is the second complaint I have opened. 

Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) XXXX XXXX reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. 

XXXX XXXX is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution. 

XXXX XXXX is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. 

I believe my case to be solid proof of the mishandling of a credit card account and

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 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC
State: PA

Complaint narrative:
I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact XXXX XXXX XXXX. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.

Company response to consumer: Closed with explanation