vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
I have, for some time, been trying to solve aa major problem with the agencies and the corporations and debt collectors whom they have allowed to put phony, unreasoned, baseless, items on my credit report unpermitted. I am now taking the necessary legal action under the FDCOA and FCRA against the agencies so that these ill-found items can be corrected and removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DISCOVER BANK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BANK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BANK, has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DISCOVER BANK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to formally dispute several negative items currently listed on my credit report, which I believe to be incorrect and unverified. These erroneous entries are severely impacting my credibility and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: IA

Complaint narrative:
I am writing to formally dispute several negative items currently listed on my credit report, which I believe to be incorrect and unverified. These erroneous entries are severely impacting my credibility and financial standing.

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 2024-02-14 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have, for some time, been trying to solve aa major problem with the agencies and the corporations and debt collectors whom they have allowed to put phony, unreasoned, baseless, items on my credit report unpermitted. I am now taking the necessary legal action under the FDCOA and FCRA against the agencies so that these ill-found items can be corrected and removed from my 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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I filed a claim with Wells fargo, my purse was stolen back in XXXX or XXXX cant recalled what day. My device and all my information was there. My pin # and password was writting down in a little piece of paper inside in my wallet.. The fruadster were succesfully log in to my online banking and change my password and withdraw XXXX Wells fargo closed my compromised account and reopen a new one, and now i was told that they will closed my account and denied the claim, because the DC and pin # were present.?? YES WAS STOLEN i told then listing to the call. my purse was stolen, rep told me yes we know but thats all i can share claim is final closed and denied.. No funds will giving..I dont understand why this is happenen. I dont care if they closed my account but i need my money back to pay bills..

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DEPTEDNELNET, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DEPTEDNELNET, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DEPTEDNELNET has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DEPTEDNELNET. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On the morning of XX/XX/XXXX XXXX before heading to work I opened the CB wallet through the CB app. Always did so was a habit I created to check prices and my assets. From there I would access my CB wallet. That morning I was doing by bi- monthly security check on the wallet. I signed pin and checked seed phrase and to see if update was needed. Everything was on point. I accidentally signed out for the first time in 4 months. I would just close app on my phone. I immediately went back to CB app to access my wallet and it was gone completely. Attempted recover on seed phrase I had just reconfirmed and led me to a XXXX balance, fresh wallet. I was shocked. 
I have XXXX of Btc in the wallet. I had plans of buying more. At this point I contacted CB support virtual assistant ( plural ) Multiple. I was originally told it was a bug. Then it moved to my seed phrase, again, which minutes earlier I had double-checked for moments like this. I eventually called CB phone number. Talked to XXXX and he opened the case with CB wallet Customer Serive Team. All of that info should be documented in the case. It ended once they told me the could see my CB.ID wallet and they sent me hyperlinks to my assets in the wallet. I looked at them and it is no where near my balance in my wallet. I said I'm going to leave a XXXX review and the case was closed within minutes. I wrote the review after. Please remember it went from it being a bug, to they can see my wallet, to try another wallet to see if I can get my balance on another wallet. That scared me because I knew that if I attempted and there was nothing. I had a bigger problem. I did with 1 wallet and nothing. I have to reiterate I had just visually seen my seed phrase. 
Finally, I was a sceptic of crypto already before joining. I chose COINBASE because it was centralized. Once my cased was closed I removed my remaining assets worried I wasnt going to receive proper assistance Customer service could be better and concern over customers investments should be essential. 
I have all receipts and screenshots of certain info giving to me in our emails. 
I like COINBASE and the wallet, but this has turned me off of crypto. If the issue can be resolve. I will happily take down or edit my reviews. 
One last thing. As important as the emphases on seed phrase is, to question people about it is not right. This was not a lost or new device, an accidental sign out and my seed phrase doesn't work. 
Please help me with my wallet. 
FYI -- 4 months in crypto. 1 CBwallet I have my recovery phrase written down in multiple places from when I first opened the wallet. A week before this I noticed some of my ( free minted ) XXXX 'S were missing as well. Which is why I purchased a hard wallet. 
Case # XXXX Case # XXXX Both closed no resolution. 
I've learned a lot from XXXX and dont feel so alone dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CA

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 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 2024-02-14 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I tried to buy XXXX bus tickets at a kiosk in XXXX, XXXX on my last day in the city. ( XX/XX/year> ) The kiosk was malfunctioning and just cycled for a bit before giving back my credit card. I did not get to order the tickets and did not receive the tickets nor a receipt so it appeared that the transaction failed. I ended up having to use cash to buy the bus tickets. So I was shocked when I received my credit card bill ( XX/XX/XXXX ) and saw that I was charged almost {$200.00} at the bus station. I assumed it must have been an overcharge from when I spent less that {$20.00} on snacks at the station, since that was the only thing I bought from the station. I disputed the charge as an overcharge and then received notice that the charge was valid, that it was from the ticket kiosk, and that it was for TWENTY-FIVE tickets. Being that I did not receive a single ticket, I immediately called Chase to tell them it was a fraudulent charge and not an overcharge. On XX/XX/XXXX they asked for more information, like a receipt. I do not have a receipt because as far as I could tell, no transaction was made. On XX/XX/XXXX, They said to re-dispute the charge using the same dispute number and I immediately did so. In a few weeks ( XX/XX/XXXX ) I was told that that dispute was already closed. I called Chase again and they said that it was only closed because I re-disputed using the same number ( as I was told to do ). They told me to make a new dispute using a new number and gave me a new number to dispute with. I called again in XXXX and they said that they hadn't heard back from the vendor yet to give it more time and that the resolved dispute on XX/XX/XXXX was from the old dispute and not the new one. They told me to wait another few weeks. I have not heard anything so I called them again today and they told me that the dispute expired and can not be reopened. I don't understand how disputes can time out when Chase was the one dragging their feet. I no longer feel comfortable using my Chase card since I now know that a vendor can charge for whatever they want with no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I had applied for a loan modification with PHH mortgage services a few months back. Denial of the modification application was sent with no reason for the denial. At a later date, a packet was sent with information about the property 's valuation with no other context. I reached out to PHP again to request additional steps, or other actions that could be taken, I received a letter stating that I should submit a new modification application in XXXX of 2024. I submitted the documentation and the application in XXXX, and I just received a letter stating that my new modification application will not be reviewed due to a prior application that was completed during the same delinquency cycle. The only reason I completed a new modification application is because PH instructed me to do so. As soon as they received the application and supplemental documentation, they immediately sent me a letter stating they would not review the package. I am actively trying to cure the debt. I have been sending in regular payments to ph H and they had been accepting them up until XXXX of 2024. This property is my primary residence, as well as a source of income as I have rental units, and I do not want to sell or lose this property. I have been actively trying to work with PHH to find a resolution to this problem such as a payment plan, a modification, or a balloon payment. I have received multiple phone calls from PHH that do not have any information about additional resolutions.

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 2024-02-14 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: CA

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 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 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TrueAccord contacted me on XX/XX/year>, attempting to collect a debt that they falsely claimed was associated with me. Key pieces of false information in their debt collection email : Naming a bank ( XXXX ) with which I have never done business, and conveying an address on file at which I have never resided. It is possible that they are mistaking me for a different person, as I have a common name. However, I do not consider this face to overcome their obligation to meet a minimum standard of due diligence. They say they have purchased the debt and are, themselves, trying to collect on it. XXXX has confirmed that I have never had an account with them of any sort, based on an SSN search. The home address shared by XXXXrueAccord is one at which I have never had a residence or business. When I looked on the XXXX XXXX XXXX website, it appears that TrueAccord is making this mistake over and over again, with nearly daily complaints from consumers. I would normally not fault a company for honest mistakes, but their response to consumers on the XXXX site reveals that they don't give a rip about correcting their own errors, instead, claiming to have no way for verifying the underlying information that is in question. That does not seem to represent a pattern of meeting a debt collector 's standing obligation to provide the underlying information related to a debt, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IA

Complaint narrative:
I am writing in response to your recent correspondence regarding the alleged debt associated with my account. I appreciate the validations you have sent ; however, I must emphasize that none of the provided documentation includes any agreement that I have signed, explicitly binding me to the debt collection efforts undertaken by your agency.

Company response to consumer: Closed with explanation