vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( 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. 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
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I pulled credit report to see what was on there to purchse home. Called Experian on XX/XX/2023 to get inquiries removed and I explained why. Being I was not aware of who these companies are. Asked them to physically verify. Three hours later it reflected that they were gone. By XX/XX/2023 they claimed verified. I feel they did not abide by FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The letter received from BOM did not explain why they closed my account.

BOM Discriminated against me and violated my Constitutional and civil rights by questioning transactions that I made for my friend who is a political prisoner in Washington DC. 

In XXXX and XX/XX/2023, I had XXXX transactions " money deposit '' to his commissary account while he sat in jail in the District of Columbia waiting for his trial. 

In XX/XX/2023, I received a call from the BOM questioning Commissary Deposits that I made for my friend and the Deposit made to his Fundraising account.

I was at work, so I was not able to speak with them. I asked them to send me a letter with their questions and I will reply.

Soon after I received a letter that I already submit a copy to CFBP.

The letter informed me that BOM was closing my account with no explanation.

I need CFPB to investigate BOM for the violation of my CIVIL RIGHTS and CONSTITUTIONAL RIGHTS and Consumer Financial Protection Law as well as any other law that BOM violated under the federal and state constitution.

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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: ID

Complaint narrative:
I have no knowledge of the hard inquires, hard inquiries are a result of identity theft and it must be removed no later than four business days as per 15 u.s. code 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I filed a dispute with my bank ( First Tech Credit Union ) regarding a charge on my credit card and they deemed the transaction as no error was made but the merchant was never received the funds. I explained to my bank that the merchant has confirmed several times that they did not receive their money. I again spoke with my bank as to what happened to the money and they will not give me an answer. They keep repeating to me that the dispute is closed.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We are attempting to refinance the mortgage loan after making sure payments were in on time. 
PLEASE HELP US, we sent in a Favor writing letter ( Goodwill letter ) to update the credit reporting showing no late payments. They said yes we could do that then retracted their statement at the mortgage company ( Shellpoint Mortgage ). We just want to refinance the home and need help after doing all the correct steps. We have paid all payments needed for this to be shown on our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-06 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: Uplift, Inc
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX  ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my XXXX Equifax and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my Experian XXXX and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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:
I am a victim of XXXX XXXX  and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX strong stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX  Report number : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX, # XXXX ) XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, we made a purchase in XXXXXXXX XXXX XXXX  The actual amount that was charged to our card was 10x the amount I agreed to. 
We disputed the charge with Amex. We filed a police report, a report with the NM attorney general, with a lawyer, and with the ftc on this store that did the overcharge. We have done everything in our power to prove that this charge was fraudulent. 
The amount was {$30000.00}. We have never made a purchase that large on our personal AMEX and feel like we should have been notified immediately by AMEX and we would have denied the charge and this would have never gotten this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CAPITAL ONE did not use my information correctly, under the FAIR CREDIT REPORTING ACT, i have the right to remove that inquiry that took place on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I was an account holder with Coinbase for nearly 7 years. On Friday XXXX XXXXXX/XX/2023 I noticed that I got email indicating withdrawl from my coinbase account for 4 transactions that I did not authorized. I have enclosed 4 transactions as attachments. Hackers hacked into my account and sold crypto currency and transferred money into 2 bank accounts that donot belong to me.I called coinbase within one hour and asked them to cancel transactions and they refused, instead blaming me. Here is their responce XXXX XXXX, Thanks for your patience while we reviewed your case. 

We understand that youve reported unauthorized activity in your Coinbase account. If an unauthorized third party accessed your account, its likely that your email account, password, 2-step verification codes, device, or some combination of these, were compromised. 

Our records show that on XXXX your account was accessed from a XXXX device and the XXXX address XXXX / XXXXXXXX XXXX The unauthorized activity youve reported may have been initiated by a third party who has access to your device, email, password, 2-step verification security codes, a combination of these. 

After gaining access to your account, the following transactions occurred : XXXX, XXXX XXXX  / a withdrawal of {$4900.00} XXXX, XXXX XXXX  / a withdrawal of {$4900.00} XXXX, XXXXXXXX XXXX / a withdrawal of {$4900.00} XXXX, XXXX XXXX  / a withdrawal of {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
I requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both XXXX an Experian refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.

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 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
We recently had our credit pulled and found out that I had " installment '' /student loans through XXXX that I had never been aware of. I have been paying a company called " Launch Servicing '' since XXXX  who had claimed to be my loan servicer for my student loans. I contacted XXXX on XX/XX/XXXXXXXX  to find out what these loan amounts were and if they were truly loans in my name. In speaking with XXXX I was informed that they were the current loan servicer on all of my student loans and had been since the original change of servicer from " XXXX XXXX '' back in XXXX. I was then informed that " Launch Servicing '' was a known scam and that I should immediately begin to file claims with XXXXUS Department of Education , and our banks as well as try and contact Launch Servicing to attempt to get a refund. Launch Servicing has been unresponsive to my calls and I've only received an automated message back in response to the email I sent also on XX/XX/XXXX. 
Records through Launch Servicing 's web site show I have paid a total of {$5100.00} to them. I am still trying to reach a banker at my bank to get a final amount that has " actually '' been paid to Launch Servicing. 
According to XXXX there has not been any payments made on my student loans since my income driven repayment plan was put in place, so I am not sure where this {$5100.00} has gone, because it has not been applied to my student loan balance. I did ask Launch Servicing to explain where my payments have been applied, but again, I have been unable to reach someone with Launch Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An XXXX loan was open with XXXX XXXX in my name for the amount of XXXX  a year and XXXX months ago. I was unable to get any additional info from XXXX XXXX and am unable to take the necessary steps to remove it from my records as a consequence.

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 2023-11-06 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: TX

Complaint narrative:
I am a victim of XXXX XXXX and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX XXXX stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX XXXX number : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account ( XXXX, # XXXX ) XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX  my co-borrower filed bankruptcy and the loans were placed into bankruptcy and the payments were placed on hold, during the proceedings. Navient told my co-borrower that the student loans could not remain in the bankruptcy and the loans were pulled out of the discharge proceedings. 

Navient Solutions, formally Sallie Mae, currently has a settlement case, Woodard v. Navient Solutions, where they told borrowers/co-borrowers that they could not have private student loans discharged in bankruptcy. They were to provide a list of borrowers to the courts, who were affected. Our names were not shared, even though we qualify for the settlement, according to the criteria listed XXXX XXXX XXXX XXXX ). 

We would like to be added to the list of borrowers affected by their decit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX XXXX companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief