vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
The company I am dealing with is Coinbase a public company. I own digital assets on Coinbase. In XXXX of 2024 I attempted to send my crypto assets off of Coinbase to my personal crypto wallet of which I have done before. I send a small amount and all was fine. I then tried to send the balance of my assets and I was given a 60 day restriction. I spoke to and chatted with numerous agents and was told all they could do was escalate my complaint and I would receive an email. The email never come. The 60 days went buy and again I went through the process of attempted to move my assets off the Coinbase exchange and again a 60 day restriction with no explanation and only the same empty promise of escalation and an email. At this point it is costing me money as I would like to move my assets to my preferred custodian and receive a yield. I have read many similar stories online and I find it disgusting a publicity traded company treats their clients in this manor. Thank you PS I have provided all they have asked for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 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: LA

Complaint narrative:
I have disputed multiple accounts on my Equifax credit report including 2 accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, multiple times during the period of XX/XX/year> thru XX/XX/year>. I have filed an identity theft claim with FTC concerning the XXXX XXXX XXXX Account. I have no knowledge of the vehicle attached to the account. There are inaccuracies and discrepancies on the other accounts that are being reported and are having a negative effect on my credit scores and financial well being. Each time I have disputed these accounts, Equifax has CLAIMED these accounts has verified that the accounts belongs to me AND are reporting 100 % accurately. However, the information that is being reported to each bureau is completely different such as balances of the account, date of last activity, date last reported, etc. These inaccurate reporting are in direct violation of the Fair Credit Reporting Act Section XXXX which requires that when a company provides information to a CRA, the are obligated under the FCRA to ensure the accuracy of the information that is being furnished. It is illegal per the FCRA to report information that is inaccurate. And the credit bureaus have an obligation to only report true and accurate information. As well as to PHYSICALLY investigate disputes of these inaccurate items in which I do not believe Equifax has done at all. The credit bureau has continuously failed to PHYSICALLY PROVE ownership of the reporting of these accounts nor have they PHYSICALLY VERIFIED the accuracy of their reporting per the FCRA guidelines. They contine to electronically " verify '' these accounts via the e-oscar system. They allow creditors to " batch verify '' thousands of accounts by merely pressing a button instead of requiring PHYSICAL verification.This practice is appalling and should not be allowed. It is obviously unreliable and flawed. The FCRA states that if any aspect of the account reporting is not accurate, the entire account MUST BE REMOVED. The credit bureaus has repeatedly refused to follow FCRA guidelines. I am hopeful that you will force Equifax to follow federal law and to remove these inaccurate accounts IMMEDIATELY due to their inaccurate and ILLEGAL reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Tonight, I discovered unauthorized inquiries on my credit report, and I have no idea why. I reviewed my credit report like I always do, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Given this issue, I request that the documents Ive submitted be thoroughly reviewed so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
Im really disappointed to see unauthorized inquiries suddenly appearing on my credit report tonight. I check my report regularly, but this time, these unexpected discrepancies showed up. I tried refreshing my browser, hoping it was a technical error, but the inquiries are still there. This is really frustrating, and I ask that my documents be carefully examined so I can avoid this worry in the future.

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 2024-08-15 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Per *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment 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 2024-08-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This evening, I was disheartened to find unauthorized inquiries on my credit report. I have no idea why they're there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I'm deeply frustrated by this and request that the documents I submitted be thoroughly reviewed to prevent any future issues and ease my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I am writing to express my concerns about several issues I have encountered with the credit bureau, including inaccurate account listings, incorrect credit reporting, billing discrepancies, and accounts that do not belong 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 non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
I was alarmed to see unauthorized inquiries on my credit report tonight, and I dont understand how this happened. My routine check revealed discrepancies that I wasnt expecting. I tried refreshing the page, hoping it was a technical error, but the unauthorized inquiries were still there. Im asking that the documents Ive provided be thoroughly reviewed so I can finally have peace of mind.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against RentDebt Automated Collections , LLC, located at XXXX XXXX XXXX, XXXX, TN XXXX. 

**Summary of the Complaint : ** XXXX. **Unauthorized Debt Collection : ** I have never conducted business with RentDebt Automated Collections , LLC XXXX Recently, I discovered that this company is attempting to collect an alleged debt in the amount of {$3000.00} for account # XXXX. I am unaware of how my personal information, including my Social Security number, was accessed or shared with this company. 

2. **Violation of Consumer Rights : ** RentDebt Automated Collections , LLC has reported this alleged debt on my credit report without providing adequate validation or verification of the debt. This action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. Specifically : - **15 USC 1681b** : Limits the access to consumer reports to those with a permissible purpose. I did not provide authorization or consent for RentDebt Automated Collections , LLC to access or use my credit report.

- **15 USC 1681c** : Mandates that only accurate and verifiable information be reported on consumer credit reports. RentDebt Automated Collections , LLC has not provided proof of the debt, making their reporting potentially inaccurate and unverifiable.

- **15 USC 1681i** : Provides consumers the right to dispute inaccurate or incomplete information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation. I have not received satisfactory validation from RentDebt Automated Collections , LLC despite my requests.

3. **Identity Theft and Fraud : ** The unauthorized reporting and collection efforts by RentDebt Automated Collections , LLC appear to be fraudulent and indicative of identity theft. This situation raises serious concerns about the security of my personal information and the integrity of my credit profile.

**Resolution Requested : ** I am requesting that the CFPB investigate this matter and take appropriate actions to ensure the following : - Immediate removal of the unauthorized account from my credit report.

- Correction of any inaccuracies or negative impacts resulting from this fraudulent reporting.

- An update to my credit profile to reflect that this account is not valid and that I did not authorize RentDebt Automated Collections , LLC to access or report my information.

I have also requested validation of this debt from RentDebt Automated Collections , LLC but have not yet received a satisfactory response. I am concerned about further unauthorized activities and seek your assistance in resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your response and assistance in protecting my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-08-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: OH

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit. It is my understanding that Equifax, would investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I found unauthorized inquiries on my credit report this evening and have no idea how they got there. When I checked my report as I normally do, there were unexpected discrepancies. I tried refreshing the page, thinking it might be a glitch, but the unauthorized inquiries remained. I urgently request that the documents I've provided be reviewed thoroughly so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I have a HELOC with Citizens bank and I recently lost my job. Several attempts to resolve payments options with the bank on the HELOC account has been unsuccessful as the bank refuses to help but insist payment. I missed one payment and the bank went into my other personal account with the same bank, without my authorization to withdraw payment. That is our only emergency money for food, and now my family has nothing to live on. Every, attempt for Citizens bank to return the money has been unsuccessful. 

I need Citizens bank to return the {$670.00} they took from my unauthorized account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
The currently reported XXXX XXXX with account number displayed as XXXX XXXX  on my XXXX XXXX report, shown as this information is NOT REPORTED on Experian in this reported claim on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX XXXX XXXXXXXX

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is stating that they are verifying inaccurate bankruptcy from this company. If that is the case this company is reporting inaccurate in my file that they have with on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: LEXISNEXIS
State: TX

Complaint narrative:
I Am the victim of identity theft and several account, personal information and inquiries have been reported to my consumer report. I have addressed this issue with multiple creditors. I want to make sure that your company is not validating fraudulent and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-15 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Company is reported negative information on my credit report without providing debt validation per FCRA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: NC

Complaint narrative:
I use DasherDirect provided through XXXX XXXX. I asked to file a chargeback and to make a dispute because I deposited {$260.00} into my account and I have the receipt from the atm and I called the atm and they told me to call my DasherDirect but they were telling me there wasnt anything they could do because it wasnt showing up on their end so now I have {$260.00} that I put into my account that isnt showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-15 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:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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