vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: NJ

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.

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 2024-11-21 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was behind in payments with discover due to being laid off from work ( 3 months of being unemployed so far ). On XX/XX/year>, I paid my full balance ( {$600.00} ) on my Discover account before the due date of XX/XX/year>. On XX/XX/year>, I received an email confirmation from Discover acknowledging the payment and thanking me for completing the transaction. 

However, on XX/XX/year>, I contacted Discover and was informed that my account had been closed due to a business decision. I was also told that this account closure may negatively impact my credit report, despite the fact that I made the payment on time and complied with all Discover terms and conditions.

When I called to dispute the closure, I was told there was no way to reopen the account or stop the negative credit reporting. This closure feels unjustified and unfair, as I acted in good faith by paying the balance before the due date.

I believe Discovers decision was made in error, and it has the potential to cause harm to my credit, despite my adherence to payment deadlines. 

I am requesting that my account be reopened, that no negative information be reported to the credit bureaus, and that I receive a clear explanation of why my account was closed despite my timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> National Credit Adjusters XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. XXXX. The name and contact information of the person or entity that provided the verification. XXXX. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the Information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the XXXX period allowed by law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I closed my XXXX account with Synchrony Bank on XX/XX/XXXX because I considered their new interest rates exhorbitant. I made several payments to pay off the balance. I thought I paid them off in full on XXXX XXXX with a payment of {$81.00} and threw away everything I had to do with this company. I received an alert from XXXX, my credit report monitoring company, that I owed them money and that my account was 30 days overdue. They said that my balance had been {$89.00}, not {$81.00}. I asked why I had not received any request for the balance via XXXX mail, email or phone. They insisted that I must be wrong because they checked their system and it said they had sent it out. When I pointed out that things sometime get lost in the mail or delivered to the wrong address, she told me it was not her problem and that I should go to the post office to complain! At this point, we were talking about less than {$10.00}. I filed a dispute and eventually got a letter from them saying I was wrong and they were right. I also filed a dispute thru XXXX because of the negative effect it was having on my credit rating. By this point, they said I owed them {$25.00}. They turned down that dispute as well. About a week later, I threw in the towel and made the disputed payment over the phone. The very next day I got an email from XXXX stating that my credit report had plummeted another XXXX points because these fools had reported me as being over 60 days late. 

How can one company single handedly destroy my credit rating over a disputed {$25.00}? It took my decades to get my credit rating to exceptional and it is now only " fair ''. I am a senior citizen and this stain will be on me until I die. Does this punishment fit the " crime '' of questioning them? There is nothing fair at all about how I am being treated and spoken to by unreasonable people. I ask you : look at my credit history and tell me why I would torpedo my credit score over {$25.00}? A reasonable person would say there is clearly no fraudulent or criminal intent.

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 2024-11-21 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: FL

Complaint narrative:
I am filing this complaint because I sent formal dispute letter to Equifax regarding XXXX late payments incorrectly reported on my credit file for the account with XXXX XXXX XXXX ( Account Number : XXXX ). These late payments, from XX/XX/XXXX and XX/XX/XXXX, should have been marked as " on time '' due to the protections provided under the CARES Act. 

As a result of financial hardship caused by the XXXX pandemic, I qualified for accommodations under the CARES Act, which requires creditors to report accounts as current if a payment accommodation was granted during the pandemic. I believe these late payment entries were either reported in error or without full consideration of my rights under this law. 

In my letter to Equifax, I requested that these payments be corrected to reflect an on-time status to resolve the matter. I included all relevant details in my dispute, including my account information and my request for an investigation into this matter. 

Despite this, I have not received a satisfactory resolution, and these late payments continue to negatively affect my credit score. I am seeking the CFPB 's assistance to ensure that Equifax comply with their legal obligations under the CARES Act and the Fair Credit Reporting Act ( FCRA ) by correcting these inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX requested a credit of funds to be transferred to my grantor trust account received letter stating that they disagree with my assertions as they are invalid and without merit. 

sent copy of live birth certificate, from XXXX / XXXX and XXXX filing.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have notified Early Warning multiple times that the following accounts are fraudulent and I am requesting ID Theft Block for the following accounts immediately : XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ). 
Early Warning has continued to selectively incorrectly interpret my requests for Identity Theft Block of fraudulent accounts. 
I am a victim of Identity Theft and my personal identifiable information has been compromised and included in multiple data breaches. Upon reviewing my Early Warning Report, I noticed fraudulent accounts and notified Early Warning and Requested removal with providing FTC Affidavit, Police Report and Proof of my identity. To Date Early Warning Services has failed to comply with the Fair Credit Reporting Act and remove and or block the fraudulent accounts that they were notified were appearing on my Consumer Report after being notified that I am a victim of iientity theft. Early Warning Services is reporting multiple fraudulent checking accounts after being notified that I am a victim of Idenity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: SC

Complaint narrative:
I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations that have affected my credit report and personal rights as a consumer. The violations I detailed include : FCRA Section 616 : The entity in question failed to verify the accuracy of credit information before accepting and reporting it, which constitutes willful noncompliance and exposes them to civil liability.

FCRA Section 603 ( d ) ( 2 ) ( A ) : They did not inform me of my right to opt out of having my personal information shared, which is deceptive and a violation of my rights.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate credit inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles and misleading credit reporting practices.

Debt Collection Practices Act Violations : I experienced harassment and unfair practices due to the reporting of inaccurate debts and accounts, leading to unwarranted distress and creditor contact.

Third-Party Disclosure Violations : My information was shared with third-party credit reporting agencies in violation of regulations prohibiting the disclosure of debt details to third parties. 

Late Payment Reporting Violations : " Late payments '' were reported on my credit report without clear definitions, making these entries deceptive and inaccurate. 

Finance Charge Errors : The agency failed to accurately determine finance charges, an obligation they must fulfill as a credit reporting entity. 

Permissible Purpose Violations : They reported information on my credit report without my written consent, breaching the permissible purposes outlined in the FCRA. 

In response, I authorized a dispute and requested immediate corrective actions, including updating or deleting specific entries on my credit report that were inaccurately reported. I emphasized that failure to address these issues promptly could result in legal action under the provisions of the FCRA and other relevant 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX has inaccurately reported information about my account to credit bureaus, causing harm to my credit report. The account, which I believe was prepaid at inception under the applicable laws and accounting standards, reflects an unpaid balance instead of being marked as settled. 

On XX/XX/XXXX, the account was opened, and the balance was prepaid pursuant to Public Law 73-10 ( HJR-192 ) and confirmed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). According to XXXX, credits to demand deposit accounts represent cash transactions. This means the balance was fully satisfied when the account was established. 

Despite this, XXXX XXXX reported a negative balance, which appeared on my credit report on XX/XX/XXXX. This reporting is inaccurate and misleading. I sent a formal notice to XXXX XXXX on nunc pro tunc requesting that they correct the reporting and provide documentation validating any remaining balance, but they failed to respond appropriately. 

Additionally, pursuant to 15 U.S. Code 1666d ( Treatment of Credit Balances ), any overpayment or credit balance should be refunded promptly. XXXX XXXX has not issued a refund for the credit balance resulting from the prepayment of the account. 

I request that XXXX XXXX : Correct the inaccurate information on my credit report to reflect that the account is prepaid and settled. 

Issue a refund of the credit balance in compliance with federal law. 
This situation has negatively impacted my creditworthiness, and I am seeking immediate resolution to rectify the inaccuracies and secure the refund owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I am writing to formally dispute a debt listed on my credit report. The debt in question is being reported by [ US Department of Treasury ], and I am requesting validation of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Please provide the following information to verify this debt : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. The date the debt was incurred. 
XXXX. Documentation verifying that I am legally responsible for the debt. 
XXXX. Proof that the debt has been properly assigned or transferred to the collection agency, if applicable. 
XXXX. A copy of the original contract or agreement ( if available ). 
Please note that under the law, the collection agency must provide this information before it can continue reporting this debt on my credit report. Until such validation is received, I ask that you mark this item as " disputed '' on my credit report. 
If this debt is not validated or removed from my credit report, I will have no choice but to escalate this matter further with the appropriate regulatory agencies. 
Please acknowledge receipt of this letter and confirm that the necessary actions are being taken. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I have an account I opened with coinbase several years ago. The account has been dormant for a couple years now. I recently have been interested in getting back into crypto currency but coinbase has locked and or blocked my account. I have tried numerous times to comply with what the website instucts me what to do, to no avail. They have a XXXX number but when you call it it's just a recording telling you to go to FAQ and figure it out yourself. I'm very frustrated that I can not get access to my account and that they have no customer service or tech support people to assist. I have millions of coins in my account that I can not access let alone cash out if I chose. I want someone from coinbase  to contact me directly and get this problem resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX XXXX XXXX Michigan Docket # XXXX XXXX XXXX XXXX Bank Acct Number XXXX, bal. {$550.00} XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX, XXXX. {$2500.00} XXXX XXXX Bank Acct Number XXXX, bal. {$520.00} XXXX XXXX Acct Number XXXX, XXXX. {$160.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$2000.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$6800.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$1500.00} DEPT OF EDXXXX  Acct Number XXXX, bal. {$510.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$2900.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$1500.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$4600.00} DEPT OF EDXXXX Acct Number XXXX, XXXX. {$1900.00} DEPT OF EDXXXX Acct XXXX XXXX, bal. {$4200.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$9300.00} DEPT OF ED/XXXX Acct XXXX XXXX, XXXX. {$5600.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$3800.00}

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 2024-11-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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