vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Range View Management LLC
State: CO

Complaint narrative:
I received spam mail regarding pre-approved loan for {$35000.00} for debt consolidation. 

I called Lendvia expressing interest in this offer... 

After I agreed for them to do a hard pull on my credit to check if I qualify I got news I didn't qualify, it ended up being a bait and switch... 

3 different agents from Lendvia called me giving me conflicting information ... One agent was telling me everything the other agent said was wrong and got very rude with me ... Every attempt to get clarification resulted in him acting very condescending to me and the other agent... 

I think his name was XXXX or XXXX... 

After this, I told them I was no longer interested and asked them to stop calling me... 

I have received countless calls and XXXX from them literally it started at XXXX per day to now 3 to 6 a day, they eventually sold my PII to XXXX XXXX without my consent or knowledge. 


My PII was then compromised in a cyber security incident... 

I reached out to XXXX telling them they had either obtained my PII illegally or have illegally been provided my information as I never did business with them.nor did I ever sign up for any debt consolidation service. 


I'm still getting calls from Lendvia despite asking them to put me on the do not call list and despite signing up for the FCC no call list multiple times... 

I want Lendvia fined to oblivion for the harassing phone calls, selling my info, and damages suffered as a result... 

I half to keep my phone on silence unknown callers to block the spam calls while I work... This prevents me from receiving call backs from emergency services, management at work, it blocks family emergency calls from school and my families places 's of buinsess, and blocks me from receiving emergency calls from my kid when calling from other lines.. 

Not once was it ever disclosed to me that my PII would be distributed to unsecured third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Inquiry by Navy Federal Credit Union ( Navy FCU ) Dear Sir/Madam, I am writing to formally dispute an unauthorized inquiry on my credit report. According to my records, Navy Federal Credit Union ( Navy FCU ) has recently made an inquiry into my credit, which I believe to be inaccurate and without my consent. This inquiry is recorded on my credit report under XXXX as of XX/XX/XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter to determine if this inquiry was made with proper authorization. I have never applied for credit with Navy FCU, nor have I provided consent for them to access my credit report. 

Please find attached copies of my credit report highlighting the disputed inquiry, as well as any other relevant documentation that may assist in resolving this matter. 

I would appreciate your prompt attention to this issue and request that you inform me of the outcome of your investigation. Additionally, I request that any inaccurate or unauthorized information be removed from my credit report if found to be incorrect. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Company reporting that what the consumer lay no claim to Consumer dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the issues I have identified : 1. Inconsistent Reporting Across Bureaus : The Account Type - Detail is listed differently across bureaus, with TransUnion stating Unknown - credit extension, review, or collection, and XXXX reporting Collection. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Improper Dispute Status : The comments from XXXX and XXXX state that the account is disputed. If this dispute has been resolved or if the reporting is incorrect, this information must be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/year>. If no activity has occurred since then, the account may exceed the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
4. Lack of Verification and Payment History : The report does not provide any detailed payment history or verification of how the account reached Collection/Chargeoff status. 
XXXX. Unauthorized Transfer of Debt : I did not authorize payments to XXXX XXXX or agree to the transfer of this debt. Reporting this without my consent may violate the FDCPA ( 15 U.S.C. 1692e ). 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency. 
3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.

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 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The Account Type - Detail is listed differently across bureaus, with XXXX stating Unknown - credit extension, review, or collection, and XXXX reporting Collection. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Improper Dispute Status : The comments from Experian and XXXX state that the account is disputed. If this dispute has been resolved or if the reporting is incorrect, this information must be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/2019. If no activity has occurred since then, the account may exceed the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
4. Lack of Verification and Payment History : The report does not provide any detailed payment history or verification of how the account reached Collection/Chargeoff status. 
XXXX. Unauthorized Transfer of Debt : I did not authorize payments to XXXX XXXX or agree to the transfer of this debt. Reporting this without my consent may violate the FDCPA ( 15 U.S.C. 1692e ). 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.

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 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
The company is Coinbase Global , Inc. ( COIN ) There was no validation done by Coinbase Global , Inc. ( COIN ) on the Bitcoin and Ethereum wallet address registered by the Scammer company. 
The Scammer company Ethereum wallet address is : XXXX The Scammer company Bitcoin wallet address is : XXXX I had transferred to these wallets in total {$29000.00} and lost all the money. 

Coinbase Global , Inc. ( COIN ) XXXX XXXX XXXX XXXX XXXX, DE XXXX United States XXXX XXXX XXXX www.coinbase.com Sector ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Full Time Employees : XXXX I have filed complaint with XXXX Police, XXXX, XXXX. Attached are the documents and also the chats with two scammers XXXX and XXXX XXXXXXXX. 

The scammer company address is : XXXX Two people XXXX at cell no : XXXX and XXXX XXXXe at cell no : XXXX told to invest in XXXX  The gave false information that company gives good profits and I started putting money using Crpto like Ethereum and Bitcoin. 
After 2 weeks of investment I tried to withdraw some profits and found that they are asking Monthly maintenance fee. I have paid {$13000.00} on Saturday XX/XX/year>, still there is no receipt from XXXX They have placed Pending status request on my WITHDRAWL request. 

Till now I have deposited {$100000.00} with the company and lost all the money. 
Below is there contact information. 

Phone Number XXXX XXXX Email Address XXXX Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MISSION FINANCIAL SERVICES CORPORATION
State: SC

Complaint narrative:
Mission Financial Services XXXX Corporations XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, United States. 

Dear To whom it may concern, Re : Cease and Desist Notice Regarding my " Signature and personal information '' and Rescission of the Contract ( Rescission is a legal remedy that allows parties to a contract to undo or terminate the contract, typically due to a material mistake, fraud, misrepresentation, or other valid legal grounds ). 

I am writing to formally demand that you cease and desist from the use of my signature or initials and rescission from all documents and including the contract which was breached at day one due to unfair ( Consumer Credit Transaction ) behavior or practice in question which is in violation of my rights under South Carolina law, specifically the South Carolina Consumer Protection Code ( S.C. Code Ann. 39-5-10 et seq. ). Your actions have caused significant harm, including [ bedbug infestation in my home, financial loss, emotional distress, violation of privacy, etc. ]. It shall be an unlawful trade practice under Section 39-5-20 for any person engaged in the business of lending money to make it a condition of obtaining a loan for the purchase of an automobile that the borrower carries full coverage comprehensive or fifty dollars collision coverage. 

Specifically not informing me that I was making a Consumer Credit Transaction ( The Sum Of All Charges ) which did not include 1 ). Insurance ( full coverage ) 2 ) disclosure of all transactions 3 ) transaction was not cash in hand 4 ) Debt Validation. 5 ) knowingly selling a defective truck which cost over XXXX in repairs. This has been problematic which include unlawful deceptive advertising, harassment, unauthorized charges, or any other consumer rights violation. 
As outlined under South Carolina law, it is unlawful for any person or business to engage in unfair or deceptive trade practices that are in direct conflict with these protections. 
( I do pocess documents that shows contact from the Company was made on XX/XX/year> ) also a copy of the complaint that has been notarized...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
This company reported my account during the pandemic when I requested a payment arrangement. They immediately sent it to a collection agency that harassed my and kept calling once they were asked not to do so. Secondly, the company still sends me a note every month for payment from the original company. So which is it, they are double dipping with these negative items on my 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 2024-12-01 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX is order # Macy 's charged me the higher amount and wouldn't credit the price reduction and short shipped an item Please help

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 2024-12-01 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Forever 21 inccorecntly reported a charge to my credit report even though I paid off the account before calling to have them close the account. It got sent to collections, paid it in full and Forever 21 will not remove it even though they were at fault. I called them after the account was paid in full, they advised me to reach out to the bureaus to have deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute XXXX fraudulent accounts that have been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized their creation or reporting. Despite multiple disputes, the accounts remain on my credit reports. 

The disputed accounts are : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX These accounts contain inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was given an American Express gift card with a {$100.00} balance. I activated the card using the company 's website : XXXX and the site reported the card was activated with a balance of {$100.00}. I then tried to add the card as a payment form on XXXX. I did this XXXX or XXXX times. Each time XXXX attempted to verify the card by charging a {$0.00} charge. Each time the charge was declined by american express. I am therefore unable to use this card as it is advertised for use. 
I called the XXXX number provided on the website listed above. The site lists the number as being : " For questions about American Express XXXX XXXX or XXXX  Gift Cards ''. 
I was unable to reach a human being and the automated response menus do not offer any help with declined purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries XXXX only be made with my explicit consent or when otherwise permitted by law. I have reviewed my credit report and found the following inquiries that I did not authorize. picture have been unloaded Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a consumer reporting agency XXXX only provide a credit report for permissible purposes, such as a legitimate credit transaction that the consumer initiated. These inquiries were not authorized by me, and I am requesting their immediate removal as they violate this provision. 

XXXX. Section 607 ( b ) : Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. This applies to all types of data, including inquiries.

2. Section 611 : Dispute Process Consumers have the right to dispute any inaccurate or incomplete information in their credit report, including unauthorized or incorrect credit inquiries. Credit bureaus must investigate disputes within 30 days and delete or correct any unverifiable or inaccurate information.

3. Section 604 : Permissible Purpose Inquiries must have a legitimate purpose and be authorized by the consumer or permissible under the law ( e.g., for a credit application, insurance underwriting, or employment ). If inquiries appear on your credit report without authorization, they violate this section.

4. Section 609 : Disclosure to Consumers Credit bureaus must provide consumers with a list of all entities that accessed their credit file, including inquiries. Consumers can request details on why their credit report was accessed and by whom.

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