vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and Experian XXXX and XXXX have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts 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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received this letter today not at my mailing address stating that Bank of America is putting negative information on my credit report and that I have to provide information of some sort. I have no idea what this is about. 

Nowhere on the letter does it say " this is an attempt to collect a debt '', it does not provide any information about the debt or statements suggesting that I am responsible for the amount of the current balance. 

I never wrote a letter, email, or had a conversation with Bank of America requesting that they send me this letter. If Bank of America thinks that I did, they should provide proof. 

I find this letter harassing and threatening that Bank of America is going to impact my credit score for no reason.

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 2024-07-20 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I contacted Coinbase on XX/XX/year> to inquire as to when they would credit my merchant refund back to my Coinbase card, because the merchant had sent the refund to me through my Coinbase card on XX/XX/year>. I waited two weeks with hopes the {$200.00} refund would post, but it just sat in my transaction history as processing. 

Coinbase help number : XXXX In XX/XX/year> Coinbase acknowledged they were experiencing issues with refund delays but assured me they would post my refund and it would be in my account the next day, which should have been XX/XX/year>. However they did not follow through on their promise and the transaction still shows as processing. 

It is now Saturday XX/XX/year> and my Coinbase card refund has still not been credited as you told me it would. 

This is my money, not Coinbases to keep. The merchant sent me the money and Coinbase is taking their time giving it to me. This is crazy. 

I have been a longtime and loyal customer of Coinbase but this kind of treatment is something I can not and will not accept. 

Its downright shameful, and likely illegal, that Coinbase is holding my money hostage the way they are, failing to follow through on a promise that was made to refund MY money. 

Please help. Thank you kindly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : Equifax XXXXXXXX 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 XXXXXX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Filing complaint due to being denied on school misconduct application. This is following guidance from XXXX 

On XX/XX/year>, I submitted a School Misconduct Loan Discharge Application to Navient. Navient advised this application was received on XX/XX/year> and to allow up to 60 days for processing. On or about XX/XX/year>, I sent an contact message via navient.com to request an updated status on the process. 
On XX/XX/year> I received via Navient 's message system, a reply saying it was denied on XX/XX/year> and messages take XXXX to XXXX hours to post. At the same time I received the reply message in the Navient message system, the replies of all denials were in the message inbox as well. 
These message only stated that my request did not meet their required criteria and did not state any specifics as why it was denied. I find it odd that the school I attended ( XXXX XXXX XXXX ) was found in multiple court cases to be in violation of most of the " requirements '' that Navient listed on their application for dismissal. 
I also found it somewhat suspicious that I was notified via email on XX/XX/year> that my loans were being moved to a different company. I had no knowledge of this before hand, but I did see that Navient mentioned this on their website. 
I also found it suspicious that my application was denied almost the exact timeframe I asked for an update on the process. As if me asking about it " forced '' them to look at it and then just vaguely deny the application. 
Feeling cheated and scammed by this company as any attempts over the past 10 years at XXXX XXXX XXXX forgiveness or any questions on loan forgiveness and such were skirted and/or ignored by any representative I talked to and now they deny my application for dismissal within XXXX hours of me asking for an update. 
I feel this company is purposely avoiding doing anything to let the next company they are dumping my loans onto deal with it ( 'passing the buck ' ). 
I fail to see why it was denied when I was included in a few court settlements that XXXX frauded their students.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: IN

Complaint narrative:
unfortunately, I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 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: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year>. I attempted to enroll and obtain a cash app account. I entered in my information and I instantly got a a message saying that my account would be closed for a " violation of terms of service '' I have never had any account with cash app and I asked them to look up the violation. They told me that they had no information on the violation. They asked for my e-mail address and I was told that a review would be initiated that could last up to 30 day.I contacted then today to check on that status of my investigation. They told me that they did a thorough investigation and they considered the matter closed. I then told them that I have never had any type of account with them and that if my information was utilized by any other person, it was fraudulently used. I then asked them to explain to me how I could be held responsible for any conduct of a person who illegally utilized my personal information on their platform? This is patently unfair to hold me responsible for a terms of service violation on an account that I did not authorize nor had any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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:
XXXX XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: CA

Complaint narrative:
XXXX XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

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 2024-07-20 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/2023 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and XXXX Transunion and XXXX have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts 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
Consumer complaint received 2024-07-20 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and XXXX XXXX and Equifax have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I attempted to payoff the vehicle at the end of lease through XXXX XXXX in XXXX, PA. The dealership spent a month telling me they can not accept my check and that i would need to take a day off work to come in as they refused to process payments on Saturday when they are open. They then told me I could make a payment through the Finance company. The finance company declined to take the payment as they said it has to go through the dealership. This extended well past my End of lease. Once my lease ended they stopped taking payment on the past due amounts that continued to stack up while i tried to make the payoff. They have since reported me as both 30 and 60 days late on my credit while refusing to take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, I first tried to initiate an online transfer from my Discover Bank checking account to an external one. But eventually the transfer request failed to be processed with a message saying " We're unable to complete your request ''. After then, despite numerous attempts and seeking assistance from Discover Banks customer service, the problem remained unresolved, causing me significant inconvenience and financial distress.

Company response to consumer: Closed with explanation