vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Assertive Dispute of Unauthorized and Unverifiable Account on Consumer Report To Equifax, XXXX & XXXX, I am writing to dispute a blatant violationan unauthorized and unverifiable account XXXX XXXXXXXX XXXX that has glaringly appeared on my consumer reports with Equifax, XXXX, and XXXX. The presence of this item unequivocally tarnishes my creditworthiness and unequivocally constitutes a breach of my privacy. I assert, unequivocally, that this unauthorized account is a blatant form of identity fraud, even in the event of a permissible purpose, for which I categorically have not given consent. 

The reporting of this account is a violation under federal law, explicitly governed by the Fair Credit Reporting Act ( FCRA ). Sections 611 ( a ) and 611 ( b ) of the FCRA unambiguously outline the procedures for reinvestigation of disputed information and the prompt notification of disputed information to furnishers of information, respectively. The Fair and Accurate Credit Transactions Act ( FACTA ), Section 312, leaves no room for ambiguity, establishing the unwavering responsibilities of furnishers of information to consumer reporting agencies. 

I assert, without a shadow of doubt, that this item must be thoroughly investigated and promptly removed from my consumer reports, as it unequivocally violates both federal laws. I emphasize, without hesitation, that I did not provide consent for this item to be included in my consumer profile, and I categorically assert my right to have it deleted. 

This account outright violates North Carolina law, specifically the North Carolina Identity Theft Protection Act under Chapter 75, Article 2A, encompassing provisions from N.C. Gen. Stat. 75-60 to 75-68. 

I demand that Equifax, XXXX, and XXXX, along with XXXX XXXX XXXX XXXX take immediate and unwavering action to delete this item within 30 days from the receipt of this dispute. Any failure to comply within this stipulated timeframe will be considered willful noncompliancean offense for which XXXX, Equifax, XXXX, and XXXX XXXX XXXX can and will be held civilly liable. 

I expect nothing less than a swift and assertive written confirmation of the resolution once the unauthorized and unverifiable item has been removed. 


Thank you for your immediate attention to this matter. 

Done in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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:
I've started sending out letters to XXXX, Experian, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid my balance off with capital one of {$1400.00}. I was not aware that they had been charging a variable APR of 32.24 %. I just so happen to login to my account and realized that they charged me {$26.00} on a XXXX balance stating that they charge interest at the end of the month and that its not included in the balances. I asked to have this removed as a courtesy because my balance was XXXX when they charged me. I was told there was nothing that they could do and the supervisor named XXXX that I spoke with was more than happy to close my account without offering any alternatives except to set my account up on auto pay. Now why would I do that with an account that has a XXXX balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The EXPERIAN credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$0.00}

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 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I contacted Westlake Portfolio on XX/XX/XXXX, in regards to my vehicle being repossessed for a second time within a 13 day timeframe. My call was sent to a supervisor ( XXXX ), who then reviewed the account for any discrepancies. XXXX discovered that the Rewrite agreement was initiated, but the paperwork was never sent to me to sign. She also stated that the repossession order was never taken off of my account from the initial release of the vehicle on XX/XX/XXXX. XXXX then proceeded to re-initate the paperwork for the Rewrite contract ( payment plan ), to start an investigation and resend the documents for me to sign, which would allow me to get my vehicle back, given the circumstances. On XX/XX/XXXX, at XXXX the documents were sent to me via docusign email. I signed the forms and sent them back. I also contacted customer service to attempt to get the process started in retrieving my vehicle. I spoke with 2 customer service reps, and 1 supervisor who stated that I was bascially forced to make another payment before they will release the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I have received a collection on my credit report from AMSHERCOLLECTIONSERVCES. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1100.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. 

Sincerely XXXX 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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
The mcm collection calls more than XXXX  times per day. Leaves more than XXXX messages per week and on XX/XX/ left messages back to back all day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted XXXX ( XXXX XXXX and XXXX ) due to a report on my incorrect information on my credit report. XXXX confirmed the information was fixed and I was told a letter of deletion would be sent to the credit bureaus and the information would be corrected within 45 days. After 45 days, the information was still on my report. I disputed it, and it came back as identified as correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX  with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXXXXXX XXXX XXXX  with account # XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Secured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXX, XXXX XXXX with account # XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Account ending in XXXX Due dates on or around XXXX of each month. I'd made a payment on the XXXX of XXXX but, I'm reported as XXXX  days late on my consumer report. 

This needs to be corrected. Immediately as it is causing damages to my consumer file with Concera Credit Milestone Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: NY

Complaint narrative:
I contacted Brown and Joseph LLC about my amount owed to XXXX XXXX XXXX that they were attempting to collect a debt of which I acknowledged the amount from them wad {$260.00}. I authorized to pay {$50.00} bi- weekly until amount was paid. Payments dates were as followed XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX was {$50.00} leaving a balance of {$10.00} of which I called said company and said please take the XXXX on XX/XX/23. Then said representative stated when she tried to say I still owed another {$190.00}. I have the original letter from Brown and Joseph LLC and my final statement from XXXX XXXX XXXX with the exact amount of {$260.00}. Starting again on XX/XX/23 {$50.00} started being taken from my account and continued on XX/XX/23, XX/XX/23 & XX/XX/23. I at this pointed asked why these funds where taken and they gave me a credit on XXXX of {$45.00} and one of {$14.00} and reversed a payment that was pending from my account On XX/XX/23. I could never get a answer as to where she got the additional amount she said I owed as I spoke to XXXX XXXX XXXX and said they had nothing matching that said figure. These amounts drawn from my account caused a fee of {$28.00} for each amount taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS Collection had bypassed this essential step. They placed a collection account on my credit report without sending me the initial notice that typically includes information about the debt and the consumer 's rights. This omission robbed me of the chance to assess the claim 's validity, dispute the debt if necessary, and request validation to verify the details of the alleged debt. 

By neglecting to provide me with the opportunity to dispute or validate the debt before reporting it to the credit bureaus, CCS Collection not only impaired his creditworthiness but also, more critically, may have acted in violation of the FDCPA. The act explicitly requires debt collectors to uphold practices that respect the consumer 's rights and ensure the integrity of the debt collection process. 

I have documented my findings and prepared to engage with legal counsel to address this possible infringement of my rights. I understand that the path to rectify this might be challenging, but I also know the importance of standing up for my rights and ensuring that debt collection agencies like CCS Collection operate within the legal boundaries set by the FDCPA. 

I have also attached a cease-and-desist letter and have requested the CCS remove the account from my 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 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX 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 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase disabled my connected bank account for ACH transfers, which I've used for four years, as recently as XXXX and XX/XX/2023 to move US Dollars between my bank and Coinbase, both ways. Now they are forcing bank account verification with XXXX, which requires sharing my bank login with a third-party that my bank told me they explicitly do not support and do not recommend I share my bank login with them. 

Coinbase 's help documents suggest you can do deposit verification if you don't want to use XXXX, or if your bank doesn't support XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These claims are, as far as I can tell, not true. ( I took screenshots of those articles ) Four different Coinbase customer support agents, last night and this morning, told me to use XXXX. They said XXXX verification is being shown to me because my bank has requested or required I use it. 

I called my bank and they said they do not support XXXX, and that giving my bank login ( username and password ) to an unapproved third party might break my contract and customer protections. So Coinbase misled me, consistently, by saying my bank was the one that must have finally " turned on their integration with XXXX '' and now I needed to use it. They told me that deposit verification was not an option for my bank. 

My service agreement with Coinbase includes the option to do ACH transfers at no cost. The other cash out options have fees. My recourse now is to go open a new bank account somewhere and then give XXXX access to it, and rely on that for moving US Dollars out of Coinbase. 

I'm looking for and not finding an announcement about this, which would have provided an opportunity to move money before these changes were implemented. And I think it's really not apparent from Coinbase 's help docs that XXXX is required for ACH transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CO

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a promotional 0 % balance with Capital One, which involved a 0 % interest rate on a balance of approximately {$15000.00}. Throughout the duration of this promotion, I diligently checked my monthly statements to monitor when this offer would expire, as I intended to pay off the balance before the standard interest rate applied. However, in my XX/XX/XXXX statement, there was no indication or warning that the promotional period was ending, nor in the statements prior. To my surprise, on my XX/XX/XXXX statement, I was charged an interest of {$350.00}. 
Upon discovering this, I immediately paid off the remaining balance and contacted Capital One customer support for clarification. A representative initially agreed that the situation was misleading. However, upon escalation, a supervisor ( XXXX, ID : XXXX ) denied any deceptive practice and refused further escalation or formal complaint procedure, stating that Capital One would not address my complaint further. Additionally, when I requested documentation showing the terms of my promotional offer, I was sent a statement from a XXXX XXXX  dating back to XX/XX/XXXX. 
I believe this situation constitutes a clear case of deceptive practice, as there was a failure to provide adequate notice regarding the end of the promotional period, which is a key piece of information for any consumer managing their credit card balances responsibly. This lack of transparency has resulted in an unfair charge that I was not prepared for, nor was I properly informed about in a timely manner.

Company response to consumer: Closed with explanation