vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The App they have to pay payments is very poorly built. They have my correct account info and it was set for automatic payments. I manually paid them after receiving notice my bill was due and. The payment somehow got returned I got no notification of any returned check. This happened for the last two payments. 

They tryed to act like they didnt have my phone number and I needed to update my email but it was all the same info. 

This company is very unprofessional I want the late payments taken off my credit repost and the returned check fee and interest and late payment fees Refunded. 

Its like they purposely did this so they could charge me interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Around XX/XX/XXXX I was given XXXX grants from the XXXX XXXX targeted advance and supplemental advance. XX/XX/XXXX the Navy federal credit union froze my account and started the process to close my account and sent back to XXXX {$9000.00} but still have not given me the remaining {$5000.00}. The XXXX told me to get my bank to send the {$5000.00} directly to me due to an enormous back log of returned funds as these grants are for emergencies to keep my business afloat. The Navy Fed won't tell me why they have frozen my funds or why they won't give my funds back to me. They have received from the XXXX my other funds successfully {$1000.00} in XX/XX/XXXX and XXXX of XXXX {$6000.00} and {$7000.00}, so the excuse that this is not a business account does not apply here since I was able to receive my other funds for my small business, I am a sole proprietor with no employees. I am able to use my personal account due to having no employees and in the guidelines per Cares act all sole proprietorship with no employees may use their personal accounts. The Navy federal has been so rude and dehumanizing towards me the security department has been awful and won't help me or give me a chance to clear up any discrepancies. Since XX/XX/XXXX I have lost my business because my car loan went into default because I have no access to my funds, I use my car to carry supplies and travel to the homes I serve. I have lost my home because I can not work, I don't even have bus money. My son has served the XXXX straight from XXXX  when he left he had a home, now XXXX XXXX  is about to be done XXXX he served the XXXX XXXX and he XXXX coming home to nothing, he will be XXXX  as well. Navy Federal keeps sending me my monthly statement with my {$5000.00} showing in my checking account but won't let me access funds that would enable me to get back to business. They have severely crippled me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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 have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXXXXXX bankruptcy, and XXXX XXXX  bankruptcy, and multiple inquiries were a result of fraud. Experian and XXXX refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested Experian and XXXX that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I applied for a secured credit card with TD bank about 2 years ago after having our bankruptcy XXXX the previous year. My husband and I were told that it would take about XXXX months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been about 2 years and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. My credit score is in XXXX range.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it. 

Experian allowed someone to create an account using my information and will not correct it. Allowing this person to continue to steal my identity and apply for accounts in my name. They can clearly see XXXX @ gmail belongs to someone else. They stated they updated it to my email so this person could no longer login but they still havent and my identity is still being stolen as a result! 

XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
XX/XX/2020, I purchased a car from XXXX using an extension of credit from my XXXX XXXX XXXX XXXX Signed a bilateral contract between XXXX and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, XXXX, and requesting a debt validation, XXXX responded saying they were unable to validate. I have sent BRIDGECREST, the third party collector, numerous debt validation letters in which BRIDGECREST sends unvalidated, altered documents in which BRIDECREST is not listed as a party but lists XXXX as the original creditor. However, when I request validation from XXXX they are unable to provide it stating that Bridgecrest has the original document, however, BRIDGCREST has failed to produce any contract that shows them as a party with any security interest. Therefore, if XXXX is unable to validate the alleged debt, BRIDGECREST is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated mv rights. 
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 1681 section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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 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  has violated my rights. 

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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XX/XX/XXXX social security number last four XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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. 
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan. 
Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 at XXXX hours, my Coinbase XXXX XXXX XXXX card was charged {$54.00} USD. The transaction went through. There were XXXX  declined transactions after that, for XXXX ( XXXX hours ) and XXXX ( XXXX hours ). All eastern standard time. 

I opened a dispute with Coinbase the same day. I spoke with support on the phone the and they advised I would get my money back. I locked my card and requested they send me a new card. 

On XX/XX/2022 at XXXX hours, I received the following email from Coinbase : " '' '' '' [ Reply ] Case # XXXX - [ Coinbase ] Re : Service Dispute Fraud - XXXX ( {$54.00} USD ) Hello XXXX, We've completed our investigation of your dispute for the transaction of {$54.00} made on XX/XX/2022, XXXX XXXX XXXX XXXX 

Unfortunately, the chargeback was rejected by the network for the following reason : - Can not initiate chargeback on a verified VISA transaction. 

As a result, we will be closing your claim. 

Regards, Coinbase Support ref : XXXX : ref " '' '' '' My card was never stolen. It was in my possession at all times. I had this happen with XXXX XXXX XXXX several years ago and they refunded my money without question. It looks like coinbase/XXXX  won't do the same. I hope you can help. 



Also, I contacted the merchant. They're willing to investigate. See the attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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 have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXX bankruptcy, and XXXX XXXX XXXXankruptcy, and multiple inquiries were a result of fraud. XXXX and Equifax refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested XXXX and Equifax that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: TN

Complaint narrative:
XX/XX/2020, I purchased a car from CARVANA using an extension of credit from my XXXX XXXX XXXX XXXX  Signed a bilateral contract between Carvana and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, CARVANA, and requesting a debt validation, CARVANA responded saying they were unable to validate. I have sent XXXX, the third party collector, numerous debt validation letters in which XXXX sends unvalidated, altered documents in which XXXX is not listed as a party but lists Carvana as the original creditor. However, when I request validation from Carvana they are unable to provide it stating that XXXX has the original document, however, XXXX has failed to produce any contract that shows them as a party with any security interest. Therefore, if Carvana is unable to validate the alleged debt, XXXX is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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