vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the late payment remarks reported on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be applied.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been dealing with an identity fraud issue since XX/XX/2023 with CapitalOne, please see previous FCPB complaints. The fraud oerson was able to disconnect my auto pay I had setup for my cards ( Quicksilver and Platinum ). Prior to this both cards we setup on autopay since inception. I have NEVER missed a payment or been late on either card. For the month of XXXX the payment was missed because, I didn't realize the autopsy was no longer valid as the fraud person was able to impersonate me and disconnect it. I called to ask that the late fee be removed, make a payment, and setup automatic payments again. I had no issue with the Quicksilver. However, the Platinum card has what the associates called a " restriction " which only allows them to make payments and NOTHING else. This can't be possible because both cards are impacted by the same issue so why is one able to be processed for late fee reversal and automatic payments and the other ( Platinum ) isn't? It's not enough I'm being punished by the fraud person, CapitalOne is also penalizing me it seems as well. Please help me get this late fee reversed and automatic payments setup please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: AR

Complaint narrative:
XXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also TransUnion and XXXX are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason XXXX removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only XXXX removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308

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 2024-03-15 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts per section 15 U.S.C. 1666b XXXX XXXX : Account Number XXXX XXXX : Account Number : XXXX XXXX : Account Number 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and XXXX are reporting these accounts late when they shouldnt be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Due to XXXX and waiting XXXX years for XXXX XXXX the social worker at XXXX XXXX office got me a charitable donation to pay XX/XX/XXXX and XX/XX/XXXX mortgage payments. An intent to pay letter was sent first week of XXXX and I contacted 5th/3rd to let them know about payment and they claimed they never got letter and went thru this 3 times because 5th/3rd claimed they didn't get them. Charity paid on XX/XX/XXXX but 5th/3rd claimed never got paid but charity sent confirmation and proof of payment. 5th/3rd then said they lost payment and was looking for it which took almost 2 months got enough to pay XX/XX/XXXX due to extra principal payment but because they found the charity payment in XX/XX/XXXX they marked payment late XX/XX/XXXX and reported to credit agencies. For the XX/XX/XXXX payment the charity organization due to the trouble fifth third gave to them in XX/XX/XXXX they would no longer be paying mine or anyone else 's mortgage anymore. So with trying to get this payment paid I finally was able to get the money together XX/XX/XXXX and paid then but was informed because I didn't make payment by XXXX it counts as next day payment and they reported me to credit agency. I was never informed of a cut off time and not sure if legal and second would not have been paid later in XX/XX/XXXX if they hadn't lost XX/XX/XXXX payment and caused me to lose payment in XX/XX/XXXX. Have talked to over 25 times since XXXX with the manager of 5th/3rd at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX at ( XXXX ) XXXX. The manger told me she would correct the problem after payment was found and for 3 months said she was working on it and then ghosted me. Called customer service number many times and they reported it and said they would correct it and nothing happened or was told nothing they can do it's policy. Have also written to 5th/3rd as suggested by XXXX. Filed a complaint for revision with credit agency and they filed dispute but say there is nothing I can do without 5th/3rd removing both bad credit reports for 30 days late when they lost payment and have XXXX cut off time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024 at XXXX XXXX and again at XXXX XXXX I got an email stating that a request to recover my capital one username was made. I did not make this request, and called capital one to report the fraud. Today, XX/XX/2024 capital one called me to ask if I submitted an application for another credit card. I informed them that I did not make this request and that this is fraud. They stated that they would cancel the application and flag it as fraud, and that I should file a report with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Requested an electronic transfer of my credit balance ( $ XXXX ) in several phone calls over a week beginning XXXX. They never honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I on XX/XX/2024 I sent a letter to CREDIT CONTROL SERVICES INC, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to CREDIT CONTROL SERVICES INC. Please have CREDIT CONTROL SERVICES INC remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: GA

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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DOE XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I transferred $ XXXX to my Coinbase account to a wallet that I had saved the address of because it was a routine transaction for me. However, unexpectedly and without any warning, Coinbase terminated my account and before I realized that had happened the send transaction was completed. 

Since then, over the past XXXX months, I've reached out to Coinbase more than 20 times via support chats, phone calls, and even submitting an official complaint in an effort to retrieve the USDT still held in their account. 

I have made a new Coinbase account as requested, including going through verification two times so that Coinbase can send the funds or they can contact me for a receiving address. As I have said, in all cases, the USDT can not be simply refunded to the sending address. 

I didn't even get a response from filing a formal complaint, and I waited for the mandatory 45 days before pursuing further action. This is the first further action I am taking, and next, I will have to file with the small claims court. Every time I call, I can't get answers or get through to anyone who can help ; I am always told someone will email me. NO EMAIL HAS COME. I have even been told the funds will be in my new coinbase account in two weeks, on the XXXX of XXXX, 2023. ( on this case # XXXX ) Coinbase Complaint case number - # XXXX Other case numbers that are all my attempts to resolve this issue with Coinbase # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX & many more From my XXXX exchange to coinbase account https : XXXX Coinbase transferring to themselves " XXXX XXXXXXXX '' https : XXXX Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 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:
I received a copy of my most recent credit report and there are inquiry from XXXX XXXX Dealer Services which I did not initiate, request and/or conduct any business with this company. XXXX XXXX Dealer Services dated XX/XX/2023

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 2024-03-15 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: MO

Complaint narrative:
There are XXXX different XXXX loans on my credit report. I did not have any business with any. The one XXXX XXXX educational has the largest amount I never heard of. I thought that part of my loan was removed. I find out that they increased the amount that they claimed I owe is not the amount that I owe. I believe it is a scam. The other one is XXXX who has been calling my voice message again. I do not owe anything with them. I thought all of the loan was removed years ago. This is what I asked for. They were there on my credit report causes my credit score to downward XXXX points. I think that this a scam to use against XXXX people, and lowering my credit scores is one way that has been used in the past, and hopefully not again.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
Flagstar Bank is reporting serious delinquencies on my credit that need to be removed. My account from XXXX XXXX XXXX  was transferred to Flagstar last year. I never had an issues with XXXX as my account was set on auto draft. However, once switched to Flagstar, I made sure to set the account on auto pay in XXXX and that was being drafted every month until XXXX when I suddenly noticed they stopped so I went in and made the payment and set the account on auto draft again. It didn't do it again in XXXX So I made the payment and set up auto pay where it was drafted XX/XX/XXXX. I figured it was done and I received a text saying that I successfully made changes to my account. However, Flagstar never drafted my payment after and made no notification to me. The funds were in my account and for some reason never drafted. I called Flagstar to get this sorted and they all give me a different story including that I applied for Forbearance??? I never ever did as I never needed it! Even now, I can not set up my account on auto draft. Surely something is wrong with their system, I paid up my account now and got current but they need to sort out their system because this was not my fault.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Call fraud unit dept cause fraud charges on my account right after I submitted my last complaint and mananger XXXX wouldnt provide even basic info regarding the charges, she said she doesnt handle fraud charges and she sound it unhelpful Also her did not verify passcode in the account Extremely disturbing

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 2024-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I

submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX XXXX Balance : {$29000.00}

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-03-15 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: TN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In Accordance with the fair credit report act the visitor accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Delete account as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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 received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX XXXX which I did not initiate, request and/or conduct any business with this company. XXXX XXXX XXXX XXXX dated XX/XX/2023

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 2024-03-15 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 received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX  XXXX  which I did not initiate, request and/or conduct any business with this company. XXXX XXXX XXXX  XXXX  dated XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX Depted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have the right to privacy 15 U.S.C. 16815-2 ( 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. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.

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