vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: ID Analytics, Inc.
State: VA

Complaint narrative:
You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ) According to FCRA 15 U.S. Code 1681s-2 ( 3 ), if a consumer disputes the accuracy or completeness of any data that an entity provides to a consumer reporting agency, that entity must not continue to provide that specific information to the agency without indicating that it is a point of contention with the consumer. In other words, the agency must be alerted that the particular piece of information has been challenged by the consumer and is currently under dispute. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items and gave you more than enough time as specified in the letters and you havent notated it as disputed. You have basically disregarded my written instruction, federal laws enacted by congress, and rights that I am entitled to. Not to mention more laws that you have not followed under this same section ... According to 15 U.S.C. 1681s-2 ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS - A person shall not furnish information relating to a consumer TO ANY CREDIT 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 ; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow up to the complaint XXXX The letter advised I would get XXXX points on rewards with shop through Chase, however I only got the XXXX points associated with XXXX sign up, I DID NOT get the XXXX with my XXXX  XXXX  purchase i made through shop through chase. 

I am sure the rep that called me mixed up, I am due XXXX XXXX points, ( the XXXX associated with XXXX ), I did not get the XXXX associated with XXXX XXXX 

Can you rectify the mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Please be advised that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX  investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

NAVY FCU with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-05-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On Sunday XX/XX/XXXX at approximately XXXX hrs. {$2600.00} worth of XX/XX/XXXX was withdrawn from my Coinbase account. I did not authorize this transaction. Coinbase refuses to accept any responsibility or blame for their error. They simply gave away my money and said Too bad. 
I feel Coinbase was negligent, irresponsible, and careless with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Company name : Exeter Finance Corp Company Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Exeter Finance Corp is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: GA

Complaint narrative:
Hello, this marks the XXXX  letter I've received from Clarity. I previously sent them a dispute letter, highlighting XXXX  inaccuracies with clear instructions on how to address them, along with relevant identifying documents proving my identity as the initiator of the dispute. However, instead of addressing the issues, they've resorted to another delaying tactic. They're asking me to resend information about what I want disputed, despite having all the necessary details already. This appears to be yet another attempt to stall me from rectifying these inaccuracies in my accounts.

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 2024-05-10 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 name is XXXX XXXX t his complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
I am writing to bring to your attention a concerning issue that I have recently experienced with XXXX XXXX. 

I was offered a position with XXXX XXXX for which I was extremely excited and grateful. However, I was shocked and disheartened when they retracted the offer after discovering my disability in their medical records. I firmly believe that this action constitutes discrimination under the XXXX XXXX. 

To make matters worse, XXXX XXXX has since sent my medical bill to collections as further retaliatory measures. This has added unnecessary stress and financial burden to an already upsetting situation. 

I am reaching out to seek your advice and support on how to address this issue. I believe that it is important for organizations to uphold the rights of individuals with XXXX and to prevent discriminatory practices from occurring. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I sent in letters to each collection company on my credit report stating my consumer rights being volitions and nothing was done its been over XXXX weeks already I sent in documentation regarding the LAWS and nothing was done. I need these accounts delete immediately! Its has caused me finical hard ship.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding XXXX  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A XXXX XXXX credit card account was opened under my name and identity with Synchrony bank on XX/XX/XXXX and the person who opened the card immediately charged {$3200.00} on it. I received a notification from XXXX from XXXX XXXX that a new account was found under my name and immediately called XXXX to close the account since I did not open the account. I was not even in the country when it happened. XXXX advised that they will close the account and investigate. On XX/XX/XXXX, I've received a letter noting that the account has been closed, major credit bureaus have been notified, and an investigation has been initiated on their end. On XX/XX/XXXX, I've received a letter in the mail from XXXX stating that the fraud claim has been rejected because I've " authorized, participated in, or benefited from the purchase ''. I called them and they stated that the XXXX XXXX receipt shows my name and address so I must've been the XXXX to make the purchase. I've contacted a lawyer who suggested reporting to the police. I've contacted the police and an investigation was opened and assigned to a detective but I have not heard of any progress. I've reached out to the FTC 's XXXX and went through all the steps but did not resolve this issue. Finally I've contacted idtheftcenter.org and was told to report to the CFPB. I'm hoping this will resolve this issue once and for all since my credit score is really taking a hit for something I did not authorize.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX veteran and i am having a issue with EXPERIAN and XXXX reporting a collection on my account from original creditor XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for  XXXX XXXXXXXX and XXXXXXXX XXXX when i was XXXX. All my XXXX bills are paid thru the XXXX XXXX XXXX XXXX from being XXXX XXXX service connected. I am better now and care about my life and credit, and this is hurting me from getting a VA XXXX for my house. Attached is my VA XXXX XXXX, credit report, id and proof of residency. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/24, I contacted PayPal to advise that I did not receive my entire order from XXXX that was placed on XX/XX/24. The order was missing the dessert that I ordered ( an oreo cheesecake slice ) and I even placed a XXXX complaint as well on XXXX regarding this on the same date also. I tried to get XXXX to correct the issue, but they refused so I was depending on PayPal to correct this grievance since I used their method of payment as payment for the transaction. Paypal provided a temporary credit of {$6.00} and told me that they would complete an investigation. I just received notice today that they have completed the registration and are denying my claim and siding with the seller XXXX. As a result, they are making me repay the {$6.00} that they gave me back as a provisional credit because the merchant provided a confirmation # saying the items were delivered. This was not a thorough investigation as I have proof that I contacted the merchant about my missing order and they denied refunding me which prompted me to contact Paypal in the first place. They gave me no opportunity to refute this decision and as a result I am upset and disappointed as a customer as they did not thoroughly investigate this claim. XXXX was/is trying to make me pay for an item that I did not receive which is fraudulent activity and I was depending on PayPal to properly correct the issue but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CarMax, Inc.
State: TX

Complaint narrative:
Please be advised that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please delete this account from my credit report at once. 

XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo provided me with my original disclosures as a result of my previous complaint. Nowhere on what was sent over does it indicate how to enter into XXXX with Wells Fargo, only with the original holder, XXXX XXXX. Im looking to enter into XXXX to prove the securities fraud being committed

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