vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: IN

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AL

Complaint narrative:
I received a letter from a law firm, XXXX XXXX XXXX, XXXX, stating that a public record shows that Crown Assest Management, LLC is suing me for debt collection. I do not know anything about this company. I believe this is fraud and identity theft by Crown Asset Management , LLC because they are suing me without any notice and validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I began the sale of my house in XXXX of 2022. We closed on XX/XX/2022. In XXXX, I looked at my credit report and it showed that I had a 30-day late mark on my credit report. XXXX reported my account 30 days late in XXXX of 2022. XXXX reported my account 30 days late in XXXX of 2022 and XXXX reported my account late in XXXX and XXXX of 2022. These late marks on my account are not correct. I called over five times in the last year and a half and each time the company promised to take these derogatory marks off my account and it has not been done. I currently want to buy and home and clean my credit and this company is not helping me at all. The report is showing a false narrative and I need help to make these derogatory marks come off.

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 2024-01-26 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: CA

Complaint narrative:
The following inquiries appeared on my credit report without my knowledge or permission. 

EquifaxXXXX XXXXXXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/ and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper XXXX  step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/2023 and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX an individual impersonated one of my financial contacts & misrepresented himself and by XX/XX/XXXX, I was suspicious of whom I Was actually communicating with. I contacted the real XXXX XXXX & he stated he had not tried to contact me in the last 2 weeks & I had probably been scammed. 
I contacted the company and no resolution has been attained. 
I hired an attorney &! allowed him to proceed from there. 
I have attached correspondence with XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
my name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX. I was using PayPall XXXX as my POS and credit card processing since XX/XX/XXXX. Every couple of months I would receive an email that my account is being limited until I send them requested information, which I always obliged with. On XX/XX/XXXX I received a message via PayPal app that I need to supply PayPal with more information, at this point I was able to process credit cards for customers at the Pharmacy however not been able to access those funds from the app. I complied with the request and received massages that PayPal will review information and respond within 5 days, at which time PayPal then requested more information until XX/XX/XXXX when I received an email stating that my account has been deactivated. My account had a balance of {$10000.00} and PayPal will not allow me to access my funds for 180 days. I called XX/XX/XXXX and asked to why?. I was told that PayPal customer service doesn't know why, because PayPal 's back office deactivated my account and PayPal customer service has no contact with PayPal back office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Why did Citi credit card report delinquent for the month of XXXX and XX/XX/2023 to the three credit bureaus after telling me XXXX your account is being placed on hold until after the fraudulent charge is resolved.You also do have to make payments towards your account until its resolved However, I was never notified nor received any response stating my investigation was complete, yet they reported fraudulent delinquent information. 
Im asking that the fraudulent information be investigated, and removed of my credit 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 monetary relief
Consumer complaint received 2024-01-26 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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-26 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AC AutoPay LLC, Denver, CO Branch
State: NV

Complaint narrative:
I went into my online account to make XXXX 's auto loan payment and inside the account it reflected that my next payment due date wasn't until XX/XX/2024. I knew I had not made XXXX 's payment so I called AutoPay Inc., XXXX, XXXX, and asked why the website indicated that my next payment wasn't due until XXXX, when I hadn't paid XXXX 's payment. The AutoPay agent said very nonchilantly, " Oh, the website is just doing that lately... we have gotten other complaints. '' He went on to explain that when you log in in the month the payment is due the website automatically shows the next months payment due rather than the current months payment due. 

The agent for AutoPay said they are aware of the issue but he never said they are taking steps to correct the problem with the website. 

My concern is that other people will incur late payment penalties because of the website error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX  transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, XXXX, TransUnion and XXXX. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I contacted Chase to report that my debit card had been taken from my wallet in the overnight/early morning hours of XXXX XXXX. Chase initially reimbursed me for all but one transaction that they did not reimburse, however, later denied the claim, stating that the PIN had been used. While I am unsure of how my PIN was obtained, everything except my license and room key were stolen, and I am unaware of what all ( besides financial institution cards ) was stolen. On XX/XX/XXXX and XXXX of XXXX, Chase withdrew the funds from my account with the denial. On XX/XX/XXXX, I went to a branch and provided the police report from the theft that stated that my debit card, credit cards, and cell phone had been stolen while on vacation in XXXX XXXX and used to make fraudulent charges. I provided Chase with documentation from other financial institutions that showed the same fraudulent charges that had been disputed across all creditors. I informed Chase that my PIN for my debit card and my phone were to where if someone had watched me unlock my phone prior to stealing it, they would have had my PIN. Chase denied the claim a second time and said they can not reaffirm or open a new case. Chase stated they had sent a fraud alert when the transactions occurred and that they had been approved on my phone, however, it was stolen and in the possession of the person who had my card. All transactions occurred in an area too far from my hotel and I did not have a car. Two transactions occurred at a Chase ATM, but Chase said they can not review the camera and refuse to reimburse me any of the money lost from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
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. 

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 2024-01-26 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: WI

Complaint narrative:
I did not authorize these companies to have my information. I have reported this information to the police as identity theft. I have also filed a complaint with the ftc as I have requested information on these account to XXXX, Experian. I have the right to privacy! This is identity theft I never received any benefit from these unauthorized inquiries neither do I have any accounts with these companies. There has to be permissible purpose and I never gave consent in writing, verbal to report anything to my consumer file. Attached is the identity theft affidavit of all the accounts and address that are non mailable and unauthorized.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with REVVIXXXX XXXX . Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that REVVI/XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
While reviewing a copy of my credit report XXXX XXXX XXXX I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given an AMEX eGift card by my employer and it was declined when I attempted to use the card in XXXX and XXXX. When I called AMEX customer service, I was advised that those vendors are not authorized and that the AMEX eGift Card was not accepted there. I explained that the vendor sites states that they accept AMEX Cards and the AMEX Card website states that the eGift Card is accepted anywhere that AMEX Cards are accepted. I called to file a complaint on XX/XX/2024, spoke to XXXX and was given Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Unable to contact with NELNET loan servicer. Not able to track payment options, amount paid so far and repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GA

Complaint narrative:
I became aware that my personal credit information may have been exposed in a data breach and I noticed some suspicious activity on my credit report. 

Below is a summary of the data in which I am challenging : My current and lawful address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately, so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief