vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: Experian Information Solutions Inc.
State: NY

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. 

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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I want to remove my Experian fraud alert. I have called and cant get a hold of anyone. Have send letters but nothing has happened. Please remove

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 2024-08-14 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: MA

Complaint narrative:
In accordance with the Fear Credit Reporting act XXXX  Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my tights. 


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 2024-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-08-14 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: GA

Complaint narrative:
Experian is reporting XXXX late payments fory XXXX XXXXXXXX account that only has XXXX late payment. The late payments are showing for XXXX and XXXX of the year XXXX. They are inaccurate and need to updated. 

The only late payment I have on this account is from XXXX of 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 2024-08-14 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: IN

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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had XXXX XXXX initially set to build me a new website on XX/XX/year>, because my website had been down for almost a year the worldwide web. The cost for the website and the professional services was {$2900.00}. I had contact chat services and they redirected my website pointing and the next day my website was restored, so I immediately call XXXX XXXX customer service to cancel the order because I had XXXX to cancel the order. The customer service agent said it was above his ability and he had to forward to his superior and that someone would email me and contact me with my refund information within XXXX hours. I filed a dispute with Bank of America via my app because this is my business checking account. XXXX XXXX  someone called a week or so later stating I would have my refund in XXXX business days and to date I have NOT been refunded anything. Bank of America has reached out to XXXX XXXX  and it can take 45 days I was told for this process to be completed but my money returning was not guaranteed because the service never happened. I have recently emailed XXXX XXXX | XXXX XXXX Consultant and he is giving me the run around too.

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 2024-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to Fair Credit Reporting, all of the above accounts have violated my right. 15 U.S.C. 1681 SECTION 602 A. DECLARES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 TO SECTION XXXX ALSO PROVIDES THAT A REPORTING AGENCY OF THE CONSUMER CAN NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: OR

Complaint narrative:
We are writing to file a formal complaint against XXXX XXXX XXXX concerning their repeated and unlawful collection activities, which contravene the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, and XX/XX/year>, we received multiple collection statements from XXXX XXXX XXXX. Despite promptly responding to these statements, we were issued a debt validation on XX/XX/year>. However, this validation did not indicate that XXXX XXXX XXXX owned the debt. Per the FDCPA, we sent another letter on XX/XX/year>, requesting confirmation of the debt ownership. 

In their final correspondence, XXXX XXXX XXXX stated they are not obliged to disclose whether they own the debt. This response goes against FDCPA regulations, especially since I have an ongoing dispute regarding this debt with XXXX XXXX. 

The core of our complaint is that XXXX XXXX XXXX has failed to cease collections despite not providing adequate proof that it owns the debt. Their actions have caused significant distress and confusion. We seek the Consumer Financial Protection Bureau 's assistance in ensuring that all collection activities by XXXX XXXX XXXX cease immediately, allowing us to address the debt dispute directly with XXXX XXXX and pursue the cancellation of my contract with them. 

We appreciate your attention and look forward to a prompt resolution. 

Sincerely, XXXX and XXXX 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
During an auto lease transfer, the dealership failed to send the payment to the finance company. As a result, the lender contacted me regarding the issue, and I immediately notified the dealership. Unfortunately, the dealership did not respond promptly, leading to XXXX XXXX XXXX XXXX incorrect late notice on my credit report. I have repeatedly expressed my concern to the XXXX XXXX and was assured that they would update the information immediately. However, despite their promises, the error has not been corrected. As of XX/XX/XXXX, I checked my credit report, and the mistake still remains. 
XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX and closed XXXX weeks thereafter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account was charged off on XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-14 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please read this complaint carefully, there are credit inquiries on my report which I don't recognize and it is XXXX me out. I did not authorize this nor given consent to these company to access and use my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : CREDIT COLL Account Number 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 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am a longtime Coinbase customer. 
I just spent my entire afternoon attempting to pass Coinbase 's new XXXX validation. I submitted my drivers license and passport, both valid, both current. I talked to multiple support staff. I submitted a selfie holding my drivers license. I submitted a selfie holding my drivers license and a piece of paper that said " For Coinbase. '' I submitted a selfie with my drivers license and a piece of paper that said " For Coinbase Verification XX/XX/year>. '' After each earnest attempt, I was rejected by a " specialist '' who I could not speak with. Every time the goal posts were moved and I had to submit something else. This was incredibly frustrating and time consuming. I didn't even want to make a transaction. I just wanted to comply with your XXXX requirements and access my account. Clearly the automated system being used for ID verification is not working properly and the support process for manual approval isn't effective. I don't know what else I can do. Because of this I am locked out of my account until I submit this information which is rejected every time. 
If you or someone in your office can help, I would appreciate it. 

Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I Purchased a XXXX in XXXX for a little over XXXX. I can prove that Ive made exactly XXXX payments as the contract stated. However, the balance on this account never changed when payments are being made. 
I contacted Ally bank customer service in XX/XX/XXXX, I was told that I had XXXX remaining payments and that my car would be paid off in XXXX. I made every payment and the balance never decreased with each payment made. On my most recent statement, past due payments listed are incorrect. Payments were made in XXXX, XXXX, and XXXX. In addition to that, I noticed thousands of dollars on my balance which looks to be late fees. I am concerned with the late fees specifically. The Late charge clause in the contract states that the late fee will be XXXX  % and will not exceed {$18.00}. I am being charged hundreds of dollars for each late payment. I believe I have me deceived by Ally Bank and Ally Bank Servicing. 
Why am I being charged excessive late fees? I would like an investigation into this account to find out why I have accumulated thousands of dollars in late fees, and, if there are any hidden fees that were not disclosed. Also, are the fees lawful? I am concerned that racial discrimination is a factor to consider on this issue. I fear that for many reasons. But, specifically, I know Ally can not prove every loan that names Ally as creditor are constructed to these identical standards of terms of the retail installment agreement. Ive tried to resolve my concern with Ally customer service but I never get a direct response. I have not received any clarification on this issue. Dealing with this situation has caused me to have severe XXXX. Please help me understand why I am paying so much for this vehicle and have not received title when I made payments to satisfy this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to15 U.S.C 1666B The timing of payments creditors 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. Please review these accounts for any violations of the fair credit reporting act. 

1. ( XXXX XXXX XXXX account number XXXX ) 2. ( XXXX XXXX account number XXXX ) I would like these accounts removed if no evidence is provided that I was notified XXXX  days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a charge from a hotel. That I did check into but did not stay in and checked into another hotel the same day due to the cleanest of the room. The room smelled had rust. I was scared to leave my items in the room better yet my body. I complained to the hotel. To the hotel chain made XXXX  complaints no response from the hotel. I disputed the charge with captiol one. They sent me an email in XXXX asking for proof of cancelation I called and asked what proof and I also responded to the email asking what info what details is it that they are looking for that I have not already provided. I never received a response back from the email. Then I received a email saying the dispute was denied and the transaction was correct that I did not provide the info. I called again and spoke to a supervisor in claims named XXXX XXXX. I asked her what proof is it that they are looking for she said she does not know she does not have any examples. Per the email it is asking for details and I asked what other details is it asking for since I already provided it she was unclear she had no clue. I asked repeatedly what info do capital one want from me. She could not tell me. So how can I provide info if capital one can not tell me what to send?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
This account was charged off on XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX  XXXX XXXX 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