vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
XXXX TransUnion had a data breach in which I was not notified so I don't know the damage to my credit report it has done

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX had a data breach in which I was not notified so I don't know the damage to my credit report it has done

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XXXX, there was a group of unauthorized charges made using my Wells Fargo debit card, which I immediately submitted a fraudulent charge claim for. 

Charge # XXXX : XX/XX/year> XXXX  : {$96.00} Charge # XXXX : XX/XX/year> XXXX XXXX {$49.00} Charge # XXXX : XX/XX/year> XXXX 's : {$14.00} Wells Fargo then canceled the debit card and sent me a new one. On XX/XX/XXXX, I received a letter saying the claim for the Charges # 1 and # 2 was denied and the provisional credit was removed from my account ( despite the claim for Charge # 3 being approved, even though all 3 transactions were made the same day ). I tried calling Wells Fargo claims department to ask why the claim was denied, but they would not give me any details as to how they concluded I authorized the transactions. I wanted to escalate or appeal the decision, but they gave me no option to. They said I needed to contact the merchants directly, which is definitely not how something like this should work. Giving them the benefit of the doubt, I called the number they gave me for XXXX, and the automated message said that I needed to contact my bank to dispute any unauthorized charges, so I was being sent in a circle. The number they gave me for XXXX didn't even work. After this, I called the Wells Fargo claims department once again, and they gave me the same run-around. As a Wells Fargo customer of 10+ years, I find this disregard for customer satisfaction unacceptable.

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 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP
State: LA

Complaint narrative:
In XX/XX/year>, while in the process of purchasing a home, it was brought to my attention that a negative account had been reported to my XXXX and XXXX consumer reports. I immediately contacted the company to discuss the issue and to inform them I never applied for any type of loan with their company. It was then disclosed to me that a " Pre-screen offer check '' was sent and cashed. I then informed them I had no knowledge of such occurrence. I was told that an investigation would be started. Simultaneously, I also, started disputes with XXXX and XXXX. The company did not have enough supporting ; identifying Information to report such account to my consumer reports, which is a violation of XXXX XXXXXXXX XXXX XXXXXXXX - Congressional findings and statement of purpose Due to the negative account being reported to my consumer reports, I was removed from the house buying process and the home I picked out was sold to someone else. This caused a major blow to my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Coinbase, Inc.

Complaint narrative:
To whom it may concern, I bought a token through my coinbase wallet. The token was transferred into my walle but it is not clear where it has been deposited. 
I contacted with coinbase within next 3 days later I could not get any help from coinbase customer service to trck mt tokens. 
on day 3, coinbase customer service after 6 hour keo me waiting started chatting and gave me brief troublechooting to resolve issue then after 20 minutes chat was terrminated by staff, I tries several times to resume chat to complete troubleshooting but attempt was unsuccessful and they locked my coinbase account. 
Since that time XXXX email I asked several question why chat was terminated, why you customer service kept me waiting three days and lots of other question but they deny answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXXXXXX XXXX XXXXXXXX Dear Equifax XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : XXXX of privacy policies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Accuracy of credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/year> A data breach that has led to the unauthorized opening of fraudulent credit accounts in my name. I believe that my personal information was compromised, resulting in significant damage to my credit profile and financial standing. 
Recently, I discovered that several fraudulent accounts have been opened under my name, and I am requesting your assistance in addressing this serious issue. Below are the details of the fraudulent accounts that were opened and that I would like to have removed from my credit report. 

Accounts to be Removed : XXXX? XXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX - Account Number : XXXX In addition to the fraudulent accounts, I have identified numerous unauthorized inquiries on my credit report that I believe are associated with these fraudulent activities. I kindly request the removal of the following inquiries. 
Inquiries to be Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I have taken immediate steps to address this situation, including contacting the credit bureaus to dispute these accounts and inquiries. However, I believe that your intervention is crucial to ensure that my credit report is accurately reflected and that the fraudulent accounts are removed promptly. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After thoroughly reviewing my consumer report, I have identified violations of my consumer rights. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Definitions : Rules of Construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Late payments qualify as transactions, and utilization reflects an experience generated by credit usage. 

TransUnion, XXXX, XXXX has reported late payments on multiple accounts ( XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX, XXXX FEDERAL ACCOUNT # XXXX, and/or utilization, both of which are based on credit usage. Under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency may only furnish a consumer report under specific circumstances, and only with the consumer 's consent. I have not provided TransUnion with written consent to report such information, including late payments or utilization details. 

Additionally, according to XXXX XXXX. XXXX 602, the Congressional findings and statement of purpose emphasize the need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. The law also stresses that the accuracy of credit reporting is essential to the functioning of the banking system. Inaccurate reporting damages the efficiency of the banking system and undermines public confidence in credit reporting, which is vital for its continued operation. 

The reporting of these late payments and utilization is both inaccurate and a violation of my privacy. TransUnion has infringed upon my consumer rights by allowing this erroneous information to appear on my consumer 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 2025-01-29 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: PA

Complaint narrative:
After thoroughly reviewing my consumer report, I have identified violations of my consumer rights. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Definitions : Rules of Construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Late payments qualify as transactions, and utilization reflects an experience generated by credit usage. 

XXXX, XXXX, Equifax has reported late payments on multiple accounts ( XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX, and/or utilization, both of which are based on credit usage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may only furnish a consumer report under specific circumstances, and only with the consumer 's consent. I have not provided XXXX with written consent to report such information, including late payments or utilization details. 

Additionally, according to XXXX XXXX. XXXX XXXX, the Congressional findings and statement of purpose emphasize the need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. The law also stresses that the accuracy of credit reporting is essential to the functioning of the banking system. Inaccurate reporting damages the efficiency of the banking system and undermines public confidence in credit reporting, which is vital for its continued operation. 

The reporting of these late payments and utilization is both inaccurate and a violation of my privacy. XXXX has infringed upon my consumer rights by allowing this erroneous information to appear on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I seen these errors in XXXX of XXXX haven't spiked for new credit with companies. None from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I asked who the companies was and what they wanted my credit for. I started XX/XX/year>. This is when I seen all these creditors inquiring in my credit. None of these inquiries are authorized.

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 2025-01-29 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 am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. XXXX  XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to File a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation