vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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 30 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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
The requested documents that coinbase requested from me were properly sent through their security link..they locked my account for 3 months..they have my money..probably the same with tens of thousands of their users..all the parameters they asked for were properly sent directly through their email demanding it..they should be punished as prescribed for this disgrace! my case number managed by coinbase is XXXX! please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX is the date IC Systems begin reporting on my credit falsely, negatively, and inaccurately. My credit report shows I currently owe an unknown debt of {$570.00}. IC Systems has been updating missing payments every month since XX/XX/XXXX date, and this has caused me not to get approved for certain business loans. I have contacted via telephone to them and they can not provide me the breakdown on the bill as to why I owe this amount. I also contacted XXXX XXXX who sold this collection to IC Systems, and they could not provide me with the final bill showing that I owed them as well. I sent a dispute letter on XX/XX/XXXX to IC systems to get this problem handled and I have not received any communication or letter on this matter. The letter was certified through the mail as well.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
After my account had been paid off and closed, a few months later a remark was placed on my report stating Potentially Late. They asked to sign a document for a late payment to be added at the end of the loan so it wouldnt show up as a late payment. This was done four years ago. So how can they post this statement on my report if they asked me to comply and it was paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Closed Accounts from Credit Report in Accordance with FCRA Laws To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my financial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : 1. XXXX XXXX XXXX Account Number : XXXX Date Closed : Reason for Closure : Terms met account is paid 2. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid 3. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XX/XX/XXXX I logged into my accounts and saw that they were blocked. I called Capital One and they said they closed them due to overdrafts that they allowed on my account. I asked about my direct deposits from my employer that would be sent to Cap One on XX/XX/XXXX and they couldnt tell me what would happen. I called back on XX/XX/XXXX ; XX/XX/XXXX and they claimed they did not have my direct deposits. They always have posted to my account on Wednesdays. I saw the amounts deposited today, XX/XX/XXXX and called Cap One again. I spoke with XXXX and XXXX in the Customer Protection Department and provided all kinds of information on my identity again ( this happened in all the calls ) and after 40 mins all they could tell me is that the " backoffice '' is investigating and they will release my money when they are done. They refused to put me in touch with the backoffice and also refused to send the funds to the XXXX checking account I have linked to my capital one account. Due to all of this, my car insurance has been cancelled, I have no money to eat, pay my utilities or put gas in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-19 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: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Closed Accounts from Credit Report in Accordance with FCRA Laws To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my financial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Closed : Reason for Closure : Terms met account is paid 2. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid 3. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: PA

Complaint narrative:
I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check? Some accounts listed are wrong about what's reported, like the amount and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Mercari, Inc.
State: NY

Complaint narrative:
mercari allowed a buyer on their platform to steal my authentic XXXX XXXX card wallet and has not sent me the money it was worth. i notified them to not accept the return because i thought the buyer would steal from me mercari did anyway. i sent the package and took a video of myself packaging it bc i thought theft would occur. it was purchased on XX/XX/year> shipped XX/XX/year>. the return request they granted on the XXXX, it comes back and low and behold theres no XXXX XXXX  wallet in the package. the buyer stole the wallet and sent a empty package back. as i said they would. i notify mercari that my wallet was stolen the same day they send an automated message claiming billing and payments they say your account is closed never once mentioned anything about my WALLET they allowed to be STOLEN DESPITE ME TELLING THEM NOT TO APPROVE THE RETURN FOR THIS REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED XXXX XXXX XXXX XXXX  THESE WHERE NOT AUTHORIZED

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 2024-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Hogan Capital II, LLC
State: NY

Complaint narrative:
I have finished my lease term and am looking to purchase the vehicle. Due to the nature of this account, my account is being handled by the " post-bankruptcy '' department. I have spoken to post-bankruptcy department almost 12 times. I have been provided 3 different amounts as the amount I need to pay and no paperwork to confirm the amount. XXXX in post-bankruptcy told me the amount I owe is {$15000.00}, then he said {$16000.00} and then it changed to {$18000.00}. When I asked him why the difference, he was unable to answer. I asked for the paperwork to be mailed or emailed to me so I can review it and he said that is against the policy. He would only fax. I provided a fax number and was told I would receive the information in 24 hours. This was on XX/XX/24. I have not received a fax as of XXXXXXXX XXXX XX/XX/24. I attempted to call yesterday and explain the situation. I asked for a supervisor and was refused. I was placed on hold until ultimately I was hung up on. I called again XX/XX/24 and attempted to have the paperwork faxed. The representative said 24 hours. I have not received any paperwork to buy the lease and can not get through to a supervisor or another department to assist. Today, XX/XX/24, I spoke with XXXX who said he will request another fax, but he refused to provide a buyout amount, stating it will be on the fax. Im not even sure where or how to send my payment. It is starting to feel as though this department is trying to scam money out of me. I do not even feel confident my money will go to the correct place if I send them my money. I am requesting a phone call from supervision so I can have this issue rectified and receive my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to seek clarification and resolution regarding ongoing issues with the processing of payments on my secured credit account, which I opened in XX/XX/XXXX. Despite making timely payments from my XXXX XXXX XXXX XXXX, which is also linked to my credit profile, there have been consistent delays in posting these payments to my Discover account. 

For instance, a payment made on XX/XX/XXXX, was deducted from my XXXX account on XX/XX/XXXX, yet there was a delay in reflecting this payment on my Discover account. It is imperative that the system efficiently processes transactions and releases funds, particularly since there is no evidence of returned payments or losses on your end. 

Furthermore, I have experienced significant customer service challenges during my interactions with your team. As a Fraud Analysis from a XXXX XXXX XXXX else where. I can analyzed every agent that I had interraction with over the phone. Each inquiry regarding my account has led to extensive verification processes and responses that suggest I am perceived as a liability, despite my account being fully secured with an initial deposit of {$1000.00}. This treatment is concerning and does not align with the standards of customer service and respect I expect. 

Please explain why the funds were not posted to my account when the transferring financial institution confirmed that the payment was honored by my other financial institution. 

I am particularly distressed that such interactions not only undermine my character but also imply wrongful intentions on my part, which is unwarranted and unacceptable. I urge you to address these issues promptly, as they may constitute a violation of the Fair Credit Billing Act, which mandates that payments be posted promptly by the creditor.

Company response to consumer: Closed with explanation