vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: AL

Complaint narrative:
XXXX XXXX is inaccurately reporting a late payment on my account that is allegedly more than 30 days past due. However, there are discrepancies in the reported dates across the XXXX major credit bureaus : Equifax : Reports the late payment as occurring in XXXX of XXXX  ; XXXX : Reports the late payment as occurring in [ Different Month ]. 
XXXX : XXXX the late payment as occurring in XXXX of XXXX. 

These discrepancies are affecting my credit score and misrepresent my creditworthiness. my account was never more than 30 days past due. 

I have previously contacted XXXX XXXX to address this issue, but they have not corrected the error. Additionally, I have filed disputes with each of the credit bureaus, but the inaccuracies have been verified without proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
It is shocking to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: AL

Complaint narrative:
Upgrade Inc. is inaccurately reporting a late payment on my account that is allegedly more than 30 days past due. However, there are discrepancies in the reported dates across the three major credit bureaus : XXXX : Reports the late payment as occurring in XXXX of XXXX  ; XXXX : Reports the late payment as occurring in [ Different Month ]. 
XXXX : XXXX the late payment as occurring in XXXX of XXXX. 

These discrepancies are affecting my credit score and misrepresent my creditworthiness. my account was never more than 30 days past due. 

I have previously contacted Upgrade Inc. to address this issue, but they have not corrected the error. Additionally, I have filed disputes with each of the credit bureaus, but the inaccuracies have been verified without proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently requested for a correction to be made on my credit report because I was showing 2 credit inquiries showing on my credit report. The bank recently closed my business bank account which they had sent me a pre approved letter for business credit. Then they proceeded by denying my application and giving me 2 credit inquiries while at the same time sending me a " end of business '' letter where they didn't disclose why they were discontinuing doing business with me. I think its completely unfair for them to promote pre approved credit, have me apply, and then stop doing business with me while at the same time reporting a hard inquiry to my credit report not just once but twice. I need both hard injuries to be removed. Bank of America is destroying me chances from continuing business else where.

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 2024-08-07 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My complaint is with XXXX. My original creditor was XXXX XXXX XXXX XXXX. I have a statement they sent me with a payment due date of XX/XX/XXXX. As of that date my credit card payments were late and a payment was never made. The ultimately sold the debt to LVNV Funding aka XXXX Acquisitions on XX/XX/XXXX. The date reported for the debt is the date is was acquired by LVNV Funding ( XX/XX/XXXX ) and not the date of the original delinquency, which was around the summer of XXXX. The debt is being reaged and from my understanding that is an illegal practice. It is a method collection companies use to make it hard on people that owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
The text messages started in XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX XXXX, on a regular basis from Credit Collection Services ( a debt collector ) stating that I owed XXXX XXXX money which I do NOT, and it was past due! They wanted me to call ( XXXX ) XXXX, File Number XXXX Being a senior citizen, I didn't want to contact this company because I know that it was fraud, and I didn't want them trying to get any personal information from me. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: AL

Complaint narrative:
Recently checking my credit report, I noticed that I've been a victim of identity theft and found XXXX  credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: TN

Complaint narrative:
I do not know PATENAUDE & FELIX , A.P.C. I do not have any contractual obligation to Law Offices Of PATENAUDE & FELIX , A.P.C. I never signed any agreement XXXX & XXXX, XXXX. I never consented for PATENAUDE & FELIX , A.P.C to share my personal information. My name is Copyright protected. I am advising PATENAUDE & FELIX , A.P.C to cease and desist any/all collection regarding this name. I demand PATENAUDE & FELIX , A.P.C contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

Failure of Law Offices Of PATENAUDE & FELIX , A.P.C to contact any reporting agency and have my private copyright information will result in my exhausting my legal remedies. No further notice besides this notice shall be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check of the amount {$510.00} that was made to my brother who did not have an account he signed it and I signed it. The check was placed on hold for about XXXX days. During the hold my account was restricted some for some reason. Chase bank informed me they needed to verify the third party they need a phone number which was provided. Per chase bank that phone number could not be verified therefore they closed my account and my joint account that under my retired mothers name. That account closure caused my and mothers payment a be returned and pay extra fees. I called every day to chase bank asking if phone can be verified and every time they inform number stills show unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
At the end of XX/XX/year>, I went to try and co-sign on a student loan with my son. I was denied. My report stated serious delinquency, and with some research it was with XXXX. In XXXX of 2024 I received a letter from discover stating that we had a balance of {$440.00} that had not been paid. I did not make these purchases nor had I received a statement show this balance. When we called to inquire about this, a lady by the name of XXXX, advised us to to a pay off of the amount of {$300.00}. This was with the understanding that this would put us in good standing with both XXXX and the Credit Bureaus. In fact, it did not do either and as stated above it harmed our credit. When calling XXXX we were told to call the credit bureau because they would be able to take it off our report. When I called XXXX, XXXX, and experian they said it was up to XXXX. I would like someone to take charge and do what is right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert text message from Comenity Bank asking me to verify a pending charge of XXXX from XXXX XXXX XXXX. I responded NO and immediately checked my account for any other fraudulent charges, That is when I noticed a XXXX  pending charge charge from XXXX ( made online ) for over XXXX that was made the day before on XX/XX/XXXX. I made them aware of that one as well ( although the charge posted a few XXXX  later when the items shipped. On XX/XX/XXXX, a package from XXXX arrived at my house which we didn't recognize. My name was on it but the address was for someone XXXX XXXX  away. I immediately took the package to XXXX XXXX police and they asked me to submit a felony fraud form with the XXXX. Soon after we received a text from XXXX that a package would be arriving. XXXX then called to verify my address because they were attempting to deliver XXXX large packages from XXXX ( XXXX XXXX  tires ) but they had my name but with someone else 's address ( My address is XXXX XXXX XXXX XXXX XXXX, XXXX. The address on the packages was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ). I explained that the XXXX charge was fraudulent and that the address they had was the address of the criminal. XXXX said they would return the items to XXXX. The XXXX charge occurred XXXX  on XXXX, XX/XX/XXXX. Then, on XXXX, XX/XX/XXXX the XXXX  fraudulent charge to XXXX XXXX  XXXX occurred, at which time the fraud was reported and the credit card was canceled. To our dismay, the fraudulent charges reappeared on our credit card after Comenity Bank determined that we were responding for the charges. In fact, these charges were but back on our card XXXX  each! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
I noticed some fraudulent inquiries on my report that i did not authorize. Please remove it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NM

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Accounts opened by XXXX and XXXX without my knowledge. I found them when checking my credit report. I contacted them and had the accounts closed and made police reports. Accounts are still in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a XXXX fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
XX/XX/year> Someone stole my online credentials and made a fraudulent XXXX check deposite through South State Bank mobile application for a XXXX XXXX XXXX check from the state of XXXX with the name XXXX  XXXX. I have no clue who this individual is nor do I reside in the state of XXXX. This action was not done by me. This action caused my checking account to be frozen. I have no access to my payroll checks that are to be deposited at South State Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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