vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: GA

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer 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 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
This letter was received in the mail at my home, an emailed to me at a work address. The letter states that my application for their credit card is missing information to be processed. I was taken aback, because my first thought was that I had just gotten a new store credit card, also a XXXX, so that maybe this had to do with that card. But as I really thought about that, the store would have already taken all the information to XXXX me instant credit access. 

When I saw the email at my work account, I thought maybe it had to do with a medical expense card/HSA card ; however, this particular employer is strictly now per diem, so I wouldn't have a card like that coming through to me. 

There is no contact information listed on this letter ; only a website to where I can upload the " missing '' information. When I finally was able to find a number on the internet and get a person on the phone, he politely declared to me that " this was just an advertisement. '' The letter, paraphrased, states, " Thank you for applying... we need the following information to continue processing, within the next 30 days. '' No where in the letter or in it's fine print, is it made clear that this is an advertisement or marketing attempt to enroll someone to a new account. 

This letter really bothered me, because I know I have elderly family and less critically thinking friends, who would have likely sent this information to the website, as instructed. It is not just misleading, but it blatantly lies by declaring, " Thank you for applying ... '' This is just a scam, in order to collect personal information and issue high-rate credit cards.

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 2024-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
About 3 months ago, approximately XX/XX/year>, I attempted to access my funds in my Citibank XXXX Account. My account had inexplicably been placed on " inactive '' status due to lack of activity. I immediately called Citibank to get the issue resolved. I have made countless calls and inquiries with Citibank with literally XXXX success. I have mailed XXXX letters to Citibank to resolve this issue. The last letter was sent XX/XX/year> and confirmed that it was received XX/XX/year>. Citibank acknowledged receipt of this letter but the account is still " inactive ''. I have been dealing with this for over 3 months now. This has quite literally been the single worst customer service experience I have ever had in my life.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has not reported correct credit card usage since XXXX. 

Can we get these companies that are required to update monthly do there job. 

This is showing that my XXXX XXXX credit card utilization is very high 90 % Thank you in advance for your assistance

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 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
XXXX XXXX. 
XXXX Date : XXXX Coin base Support Coin base, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Urgent Complaint Regarding Fraudulent Transactions. 

Dear Coin base Support Team, I am writing to urgently bring to your attention a series of fraudulent transactions that have resulted in a significant financial loss for me. Below are the details of my case : Victim : XXXX XXXX Loss Amount : USD XXXX Payment Method : Cryptocurrency ( ETH ) First Transaction Date : XX/XX/year> Last Transaction Date : XX/XX/XXXX, XXXX umber of Transactions : XXXX Currency : Ethereum ( ETH ) On XX/XX/year>, and XX/XX/year>, XXXXwo unauthorized transactions totaling USD {$30000.00} worth of Ethereum ( ETH ) were made from my Coinbase account without my consent. Despite implementing two-factor authentication and regularly updating my passwords, my account was compromised. I am deeply concerned about the security of my account and the effectiveness of the protective measures in place. I urgently request Coinbase to take the following actions:1. Reimburse the Full Amount Lost : Please reimburse the full USD {$30000.00} that was stolen through these fraudulent transactions.2. Enhance Account Security : Review and enhance the security protocols for my account and provide detailed guidance on additional steps I can take to prevent future incidents.3. Investigate the Fraudulent Activity : Identify the source of the breach and take appropriate legal action against the perpetrators.4. Provide Regular Updates : Keep me informed about the status of the investigation and the steps being taken to resolve this issue.This situation has caused me considerable financial and emotional distress, and I am relying on Coinbase to address this matter promptly and effectively. Please acknowledge receipt of this complaint and provide a timeline for the investigation and resolution process. I can be reached at XXXX for any further information or clarification needed.Thank you for your immediate attention to this matter. 

I look forward to your swift and positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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 Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-06-12 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: IN

Complaint narrative:
My account with ( DEPTEDXXXX, US DEPT ED, 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 in ( MONTHS REPORTING LATE ) 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. 


( DEPTEDXXXX, US DEPT ED, 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
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
My account with ( DEPTEDXXXX, US DEPT ED, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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.

( DEPTEDNELNET, US DEPT ED, SELF/LEAD ) 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair reporting act 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. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate XXXX  XXXX XXXXopen date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate I also got the investigation back but noticed nothing was modified or updated So I requesting a description of the reinvestigation and they do not provide me which is a violation of 15 USC 1681i7.

Violation of 15 USC 1681i ( 5 ) They have not responded to me here is my tracking number : XXXX that was sent certified and someone signed

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 2024-06-12 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 XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 in 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 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 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My identity was stolen in XXXX, they got a hold of my Chase credit card and I was issued a new card, set up passcode and all security features they offer. Today XX/XX/XXXX, someone called the banking side of Chase to access my account. The person never asked for a passcode, they gave the person ( hacker, scammer ) my login information etc. I was never notified by Chase of this even though I receive alerts for everything else. The hacker went into my account and changed all my information, paid my card off with my funds, requested a credit line increase and applied for another card. This is not the first time this happened with Chase. I do not have a problem canceling my card, but this will happen to others and it should not. The stress this has caused, the amount of work I've missed over this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I called XXXX XXXX ( XXXX XXXX  ) to cancel my car insurance due the amount they were asking in XX/XX/year> I secured a new policy XX/XX/year> with another provider with better rate. 
Per the rep she informed she was sorry they lost a customer and understood. 
I began receiving calls on my phone ( cell phone ) during work hours from a Debt collector. 
I letter came sometime in XX/XX/year> stating my XXXX XXXX XXXX account has gone to collection. If this was not true mark this is not my account. I marked that it was not my account as I ended the account in XXXX. 
On XX/XX/year> I received a letter by mail from Credit Collections Services, stating my account is with them and I am to pay {$240.00} to them in lieu of XXXX XXXX XXXX, who is underwrites for XXXX XXXX who is under XXXX XXXX 
Today I received a text message from CCS to my cell phone stating adverse credit information is to be reported to the credit bureau by this debt collector owing {$240.00}. 
I called the number and the lady stated I did not cancel my auto insurance until XXXX. 
I stated that was untrue and that you do not have my permission to collect a debt that is not mines. This needs to be addressed as I cancelled XXXX and gained better insurance with XXXX XXXX. This debt should not be on my credit report especially when I am in the process of repairing it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit managment has been calling my phone up to 3 times a day every day of the week, through different phone numbers. I have told 2 separate callers that to stop calling my number. I have blocked each number they call from now, but i am still receiving new calls from new numbers multiple times daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-06-12 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-06-12 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Have been receiving calls for different banks stating I owe them money.the only card I ever opened was a XXXX  XXXX Secure card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: MO

Complaint narrative:
This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have XXXX days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation