vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: TN

Complaint narrative:
15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent, authorize nor benefit from any transactions from these inquiries. 

Experian is in violation of the FCRA 15 usc 1681n ( b ) Civil liability for willful and non compliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you ( this is called " file disclosure '' ). 

On my report are inquiries and I did not give permission of these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove them now from my credit report it is inaccurate and causing derogatory implications

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On or around XXXXXXXX XXXX XXXXXXXX, I filed a dispute for transactions noticed on my Chase Business Ink credit card account. There were a series of transactions made starting in XXXXXXXX XXXX XXXXXXXX through to XXXXXXXX XXXX XXXXXXXX. Totaling around {$18000.00}. 

Chase responded first by giving and temporary credit. Not soon after did chase retaliate by lowering my credit limit from {$16000.00} to only {$500.00}. Once I called to inquire the reason for the retaliation chase reversed ALL of the charges in dispute. 

I called and requested and spoke to not one but four different supervisors about these reversed charges. EVERY SINGLE representative I spoke with used a different reason as to why the charges were being reversed.

The first representative told me that I made some payments of the card there for I should have reported it sooner, I explained that I have an autopay system set up with my credit union that send out payment automatically, something I usually do for all of my credit cards when I first get them, as I am running a business and have more than one business credit card. 

The second representative I spoke with in XXXX told me that the charges were related to the type of business that I have. I explained that my business deals primarily in real estate but I recently registered it as a trucking business in XXXX. The charges were made prior to me even registering the business as a trucking company so there is no way those charges are mine. I said in fact I only registered it as a trucking company but it still to this day is not operational as that. I provided the Federally mandated website that lists all trucking companies registered in the United States which shows when companies were registered, if they have insurance, what kind of insurance etc.. Not one representative was willing to sit at their desk ( which they are doing already ) and click on a few pages to see the unbiased information listed on the federal website. 

Another representative I spoke with told me that some of the charges seemed fishy therefore ALL of the charges in dispute would be reversed. 

No one is willing to give a straight answer, everyone gave completely different reasons for these transactions being reversed, no one is doing a proper investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For many years, I tried to resolve a mortgage loan with XXXX ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXXmonth. That was unaffordable and XXXX as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XX/XX/. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc
State: VA

Complaint narrative:
A month ago, I was contacted by XXXX XXXX of Stuart-Lipman and Associates . They were attempting to collect on a debt that is not owed. I requested for a validation of debt letter, and for all further communication to cease over the phone and only via mail moving forward. A validation letter was never received within the 10 days, and then this morning, I received another phone call and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was playing XXXXXXXX XXXX XXXX they refused to pay XXXX Ive put a lot of money into account and they refuse to pay so I want money I put into playing since funds to be paid out they wont pay and sincoast gave me some of my disputes then decided no makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This address does not belong to me I have requested that It be removed from my 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 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
After going over the validation letter There is nothing on there that i owe union flats. The rent on there says potential which means its what would be owed had I not moved out which there was a mutual agreement between site manager XXXX  regional manager XXXX XXXX and my section 8 worker XXXX XXXX for me to break my lease. Also in the letter it speaks about the carpet cleaning in the lease states that we can clean it or allow union flats to clean it and deduct it from the deposit. I lived there 2 and a half year and there was no damage to the walls, I didnt have small children and anytime i may have made a spot i would clean immediately so no reason to paint. XXXX XXXX XXXX XXXX XXXX XXXX in it which if replaced it would have come from my deposit being that i never received my deposit back nor was i awear of these charges, Ive not been there for two years. I sent a copy of the email to national credit system collection with the move out information. After a month of this company saying they did not receive my letter I finally got someone that said it was there in my file which was XXXX XXXX. After going over everything with XXXX XXXX she informed my that the attorneys are saying they contacted union flats who stated i chose not to accept there offer. I explained to XXXX XXXX i was the one who initiated the move out so there's no way they spoke to anyone at union flats because they would have seen the corresponding email between myself the site manager the regional manager and section 8 worker. Had i not gotten permission to break my lease from all involved and moved anyway I would have been kicked off the housing program. Still I was informed that the collection will stay on my credit report until paid or a payment arrangement was made. I was also informed that they would make it hard for me to rent anywhere else or establish credit with anyone as the negative mark will remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, I booked a house in XXXX XXXX XXXX for a trip in XXXX. I paid {$4900.00} on my Citibank Visa. I received a notification from XXXX the following day that my booking had been canceled by the owner. I contacted the owner by text message to the number that was provided on the XXXX website. The owner stated that it was a mistake and the listing had not been canceled. I sent them a screenshot showing the listing on my end being canceled and they said they would contact booking and find out what was going on. we both contacted XXXX and they said that they pulled their listing because of the fees with XXXX being too high but I could book privately with them and avoid those fees. I said I would be happy to do that but I would need my refund first and they said they would start the process and I would have my refund within seven days. I stayed in contact with them for the next several weeks waiting for my refund that never came and at one point after not speaking with me for a week or so the person at that phone number claimed they didnt know who I was. I gave all this information to Citibank Visa, along with the text messages that verify this information. Citibank Visa notified me yesterday when I called them to find out the status of my dispute that it was denied because I couldnt produce a credit slip showing the transaction. I explained to them if the merchant was committing fraud how would I be able to get a credit slip? They said they only way they could move forward is if I was able to produce that.

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 monetary relief
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Do not recognize the inquiries on my credit report and would like them to be removed and the bureau did nothing about it. I would like them removed from my credit report they are not mine I'm also attaching a copy of my identity theft 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 non-monetary relief
Consumer complaint received 2023-12-13 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:
The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you ( this is called " file disclosure '' ). 

On my report are inquiries and I did not give permission of these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove them now from my credit report it is inaccurate and causing derogatory implications

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MA

Complaint narrative:
For the months of XXXX XXXX XXXX I had a forbearance agreement with the Loss Mitigation Department with Cardinal Financial Company loan number XXXX for my mortgage. During this time remarks were made on my credit report of " partial agreement '' with an account balance increase each month during my forbearance period. My forbearance has since ended and I have made regular payments beginning XX/XX/2023. I have been told I qualify for a deferral putting the balance at the end of my loan which would make me current again. I have been told this paperwork should be to me within 30 days. Speaking with XXXX XXXX employee initials XXXX ) on XX/XX/XXXX I was approved for the deferral and would once again have full access to my Cardinal account within 30 days. ( again, documentation stating such should be to me within 30 days ). If I am still in active loss mitigation and have resumed normal payments and have a further agreement to put my missed payments on the end of my loan to become current again how is this company reporting XXXX missed payments now, as well as over the course of the last 6 months also reporting a partial payment agreement. They are tarnishing my credit score twice on the same matter. Furthermore, if I am approved for the deferral and the payments will be added to the end of my loan and I will be current again, how am I 6 months behind. This company is ruining my credit score and technically I am still in active loss mitigation. I thought they were helping me and this is nothing more than a nightmare. Once seeing this report on my credit score I called the loss mitigation dept on XXXX and spoke with XXXX XXXX employee initial XXXX  ) and she dismissed any concern and told me to send my concerns to an email address XXXX which I have done so and get no reply. My credit score has decreased over XXXX points for something I believe should not have. If they agreed to put my payments during the forbearance period at the end of my loan to become current again how am I now late? This makes it seem like I will be past due for the next 30 years. This is the worst company I have ever had dealings with. They are rude, dismissive and every single time I call I am informed something different that the next person has no idea what I am talking about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase , Inc. account assets were fraudulently transferred by Coinbase based on fraudulent Send request by XXXX. This occurred three days following account hack XX/XX/2023 and prompt call to Coinbase, XXXX XXXX who confirmed the hack. 
Coinbase Support instructed change of password and change of Two Factor Authentication from XXXX to XXXX. 
The Hacker was not properly identified indicating Know Your Customer and Customer Due Diligence deficiencies ( XXXX XXXX XXXX  ) and was allowed to make changes to my account settings, process asset conversions, and transfer assets from my account, then delete account setting changes. 
Coinbase Security System failures failed identifying Red Flag items that should have halted fraudulent transactions to occur : Account holder did not authorize asset conversion or transfer.

Hacker accessed my account from a new IP address / VPN with a new unidentified device.

Asset conversions and transfers were inconsistent with account owner activities, which had not occurred prior to the hack. 
Fraudulent transfers were Sent to addresses not identified by the Account holder 's established White address list. ( only two addresses were identified by the Account holder ).

The asset conversions and transfers occurred following n
otification to Coinbase , Inc. and verification by Coinbase , Inc. Support of an Account hack.

This incident resulted in Demand for Arbitration through XXXX XXXX XXXX. There were approximately three months of attempted negotiations by a Coinbase , Inc. third party law from outside Arbitration in violation of the Coinbase , Inc . User Agreement Arbitration clause. 
This delayed the Arbitration case from moving forward as stipulated. Things now appear to be moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE
State: MO

Complaint narrative:
Im trying to get my Escrow refund via electronic transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, while booking a flight on Delta Airlines on-line, I was offered a Delta Skymiles American Express credit card. 
The offer included {$400.00} credit on future purchases, no membership fee the first year, and {$99.00} in subsequent years. 
When I received the first statement, it showed that I owed for one purchase plus {$250.00} for a yearly fee. 
I called American Express customer service to inquire about the unexpected fee and I was told that the original offer was for a Gold card and not the Platinum card they sent me, which I did not request. 
Additionally, the {$400.00} credit was only good for future Delta bookings and not for other purchases. 
I immediately requested that my card be canceled and the yearly fee rescinded ( I did pay for that single purchase ). 
I have been receiving monthly statements to this day ( XX/XX/XXXX ) requesting payment for the {$250.00} fee plus {$5.00} in interest. 
I called customer service several times, including on XXXX and XX/XX/XXXX to request cancellation of the remaining balance, yet I keep getting statements showing I still owe for the membership fee plus an interest charge that keeps growing every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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:
I recently reviewed my credit report online and noticed a lot of hard inquiries. I did not authorize these inquiries. I would like them removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: IN

Complaint narrative:
I recently reviewed my credit report online and noticed a lot of hard inquiries. I did not authorize these inquiries. I would like them removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: WA

Complaint narrative:
An account has been reported on my Experian credit report since XXXX. Ive contacted the company ( XXXX  ) and they have refused to give me information on the accuse I told them I never open an account with them and its fraud. I contacted Experian and did a dispute. Thou the information reported is completely false, inaccurate and not making any sense, Experian said the company certified the information is correct thou Experian representatives told me the information shows to be inaccurate. Ive filed fraud with Experian in my dispute and filed the identity theft form online and Experian is still refusing to comply with removing the fraud from my account. I have added an alert to my credit to not extend credit as well. I am out of options as Experian is not following regulations nor are they willing to remove what is obviously fraud

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