vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
I called multiple times XX/XX/24 and was transferred to XXXX XXXX every time. I was seeking information regarding my account, I was told that until I make a payment I will not receive any information and the lowest I can put down is {$100.00}. She was very rude & while updating my information told me you dont have any real bills why cant you make higher payments. When I asked whats wrong and where the attitude was coming from she said your questions. I asked if she could help me with logging into my account on their website and was told no, I have to make a payment. A payment plan was set for the XXXX of every month. I called back to complain about my experience and was told by a senior representative that they would advise the employee and there was no one else I could talk to. I called back XX/XX/24 to make my first payment. Once it was completed I asked if she could email or send a copy of our agreement, she said I will not send anything until the complete balance is paid. I asked if I could get into my account online and she said If I need to pay I can call. I asked how would I keep track & she told me look at your bank statements. I ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Company : Coinbase On XX/XX/23 I tried to link my XXXX XXXX XXXX bank account with Coinbase. The identity verification check on the account details failed due to an inconsistency with my personal information between the bank and Coinbase. Coinbase showed an error message asking me to contact XXXX, their identity verification provider. XXXX helpfully explained the issue. I have a last name with multiple words. 

EXAMPLE FAKE NAME, NOT MY REAL NAME : First name : XXXX XXXX name : XXXX XXXX  XXXX Coinbase was incorrectly submitting my name as First name : XXXX XXXXXXXX XXXX Last name : XXXX I confirmed with XXXX XXXX XXXX that my name was accurately represented in their system, and confirmed with GIACT that the only problem with the identity verification was Coinbase 's false arrangement of the words in my name. XXXX told me that I would need to ask Coinbase to fix the spelling. Thus began a weeks-long customer service nightmare in which Coinbase refused to fix or even acknowledge the issue, and kept insisting that my bank must have it wrong, or that I need to fix my name to match their spelling. It was offensive and disrespectful to be told that my name is " wrong '' or incompatible with their financial product. 

On my own, I was able to identify the technical glitch which caused the issue in the first place. Coinbase asks users to upload an image of their ID, which they use to populate their user name record using XXXX XXXX XXXX ( XXXX ). Once the name is populated, there is no way for users or customer service agents to manually adjust it. All you can do is upload another picture of the ID. Apparently, a XXXX XXXX made the careless assumption that the final space-separated word in the XXXX-generated name XXXX is the last name, and that everything before that space must be the first name. This is true for names like XXXX XXXX, but not names like mine. 

No matter how many times I explained the problem, the likely cause of the problem, and possible avenues for resolution, Coinbase support denied the issue, misrepresented simple facts, and sent copy-pasted blocks of text from their support articles explaining how to upload a picture of an ID. At XXXX point I proposed that I could avoid linking a bank account altogether, if Coinbase would reimburse me for their fees for using alternate, non-ACH funding methods. They refused. Eventually, they sent an email proclaiming the matter formally closed, and cut off all further communication. 

It is infuriating and offensive to be treated like a second class citizen, ineligible for basic banking functionality, because my name has too many words.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I'm writing my complaint to SANTANDER CONSUMER USA about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I moved from XXXX to XXXX and attempted to title and register my car in XXXX. XXXX DMV asked me for title. I reached out to BOA for assistance, but they did not take any action.

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 2024-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/year> I called customer service to regarding a debt of about XXXX XXXX  which I don't recognize showing in my credit score, after talking with them I told them I do not recognize the names of the people and that I have never lived there. I was told the conversation was being recorded and I verbally asked for a debt confirmation or any paperwork regarding the debt. Then on XX/XX/XXXX I sent an email regarding the situation and I attached a debt validation letter to the email. After no response i sent another email regarding the situation as it has not being removed from my credit report i threaten with filling a report and taking legal action if not fixed as of today i have yet to receive any information regarding my request. As a member of the armed forces this can hurt my career and prevent me to advance and get higher security clearance in the future. I work hard to keep my credit score in top shape and this is affecting me and causing unnecessary stress.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase Marriott XXXX XXXX  credit card back in 2022. The opening bonus was XXXX XXXX XXXX at Marriott after spending XXXX within 3 months. I met the spending requirement in 2022, within the required timeframe, but the welcome bonus ( XXXX ) never posted to my Marriott account. I have been communicating this with Chase multiple times over the past two years but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: FirstCash, Inc.
State: OH

Complaint narrative:
On the XXXX of XX/XX/year> I dropped off a TV to Cashamericapawn for a credit of XXXX. I went home and I realized I made a mistake. I went back to the store at XXXX and they were closed. The stores hours are XXXX to XXXX. The next at XXXX I return the XXXX in cash and the employee and manageXXXX said I have to the finance charge. I explained to the manager that it was less than XXXX hours and I have XXXX hours to rescind a contract. He would not give me my TV unless I paid the full finance charge of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
I do not recognize these inquiries and request that they be removed. 

XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Here is an example of a fee taken from my account : XX/XX/XXXX, XXXX for Non-Citibank ATM use - {$5.00} {$290.00} Transaction Date XX/XX/2024 XXXX XXXX XXXX Posted On XX/XX/2024 Transaction Type Fees I was asleep at XXXX on XX/XX/XXXX. I called and asked WHAT ATM ( location ) I withdrew the money from and they could not answer me. There is not address listed on the charge. 

In the past I have been charged for using Citibank approved ATM machines from their list of ATM machines and they DENY that that is their machine. 

I want my bank account to be audited for fees I was charged.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: LA

Complaint narrative:
Easypay Finance/Duvera is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with EasyPay Finance/Duvera and never received one after a request was made. 

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. 

I contacted them several and I never got the information needed. They also have a notarized letter. 

Please DELETE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I submitted my picture ID ( Driv Lic ) on XX/XX/year> via upload. I confirmed with a customer service rep on XX/XX/year> that my document had been received. I received an email from Venmo stating that my account had been frozen and to activate my account I would need to upload my picture ID. I have not received an update and it is been XXXX business days as of today. I am growing increasingly concerned and stressed each day. No one from Venmo has contacted me for updates. I am becoming increasingly mentally and physically ill as a result of my money being held without an explanation. I am asking for an explanation why my money is being held against my will. I am asking for my account to be unfrozen and active as of XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with LVNV Funding and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the XXXX laws!. **This collection account is not accurate, verifiable, nor is it compliant to XXXX or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXXXXXX XXXX nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 


Please DELETE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-26 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: MA

Complaint narrative:
I am writing to bring to your attention a dispute I have with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and as of the date of this letter, they have not responded. I believe it is imperative to bring this matter to your attention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : I dispute the reported Balance of {$2500.00}, as I recall it being lower. 
I request the deletion of Past Due information, as the account is closed and charged-off. 
Kindly mark this account as disputed to prevent any negative impact on my credit score. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : I question the reported Balance of {$400.00}, as I remember it being lower.

Past Due information should not be reported, as the account is closed and charged-off. 
I request that Experian marks this account as disputed during the resolution process. 

XX/XX/XXXXAccount # 1 ( Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : XX/XX/XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 

XX/XX/XXXX Account # 2 ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX  ) : I dispute the accuracy of this account and request its removal from my credit report. 

XX/XX/XXXXAccount # 3 ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 

XXXX  Account XXXX Date Opened : XX/XX/XXXX, XXXX : {$280.00} ) : I dispute the reported Balance of {$280.00} and request its verification.

Past Due information should not be reported, as the account is closed and charged-off.

Kindly mark this account as disputed during the resolution process.

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 2024-01-26 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:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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