vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in XXXX AND XXXX to be removed. 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports Update the late payments to paid as agreed.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi CFPB, Please help me resolve the issue of a refund of {$290.00} from Coinbase. 
It took over XXXX business days I have not received the refund {$290.00} from Coinbase yet. 

1/ From my Coinbase app, I clicked " join '' the Coinbase XXXX Premium Subscription with fee {$290.00} on XXXX. 
2/ My bank account was charged by XXXX transactions {$29.00} and {$270.00} on XXXX for that fee. 
3/ Then, I changed my mind and cancelled the subscription on the same day on XXXX from my Coinbase app. 
Besides that I contacted Coinbase Support over phone to let them know this cancelation and they opened a case # XXXX that will reimburse {$290.00} ( please see the attached ). 

Thank you very much for your help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
From the life of the loan with Regional XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Ive had a decent experience with some of the employees there. Ive made on-time payments until probably the latter part of XXXX ( XXXX ). Contacts at the location pretty much said then, Oh, it looks like you dont qualify for refinancing. Youve maxed out your hardship renewal. Basically, pay it. Someone from the higher ups ; magically said oh yeah we can do a hardship renewal. The issue is Im still recovering from financial insolvency. Im working with a credit counseling agency to bounce back ; and Im having to choose ( stay current on my basic necessity expenses : Rent ; Elect ; Utilites ; Car payment ) or attempt to pay Regional. I had to choose my basic expenses. Ive attempted to talk with that location, I mentioned to them I get paid here maybe I can work something out? That was XX/XX/XXXX! I was told, oh we cant extend that long, figure something out before XXXX. I spoke with XXXX. Representatives are pushy ; and create predatory scare tactics built on manipulating people to cave

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Ive had my account for XXXX plus years and Ive used overdraft protection years ago and the balance would just take from my savings which I was aware of or if it wasnt available in my savings which they would take it by charging a overdraft protection fee of {$20.00} for all ur charges and that Needed to be payed in full bringing account to good status within XXXX. 
No that the economy has gotten bad and this is recent with the overdraft protection because they have changed somethings around so now if you over draft they dont pull from you savings to reflect the balance and they charge you {$20.00} per transaction. There was even a time I deposited my check and I knew the check was good but they held half of it until it was cleared but in the meantime it would reflect on my account that my balance was this but still got charged overdraft protection because the check didnt clear completely and I was then told that regardless what the account says in green the overdraft charges will still stand since the check wasnt completely clear and if I didnt call I wouldnt have gotten the courtesy of having the fee removed that XXXX time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Us auto illegally broke my contract. I brought my car in XXXX from us auto. They went bankrupt shouty after illegally selling my contact act to Westlake portfolio management. they added this to my credit as if i never made a payment. The car has been towed and reposed. I was homeless and loss my income due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

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 2025-01-24 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:
When reviewing my credit report this morning, I noticed the presence of inaccurate accounts, and I dont understand why they appeared. I routinely monitor my report, but this time, I found discrepancies that werent there before. I refreshed my browser, hoping it was a minor issue, but the inaccuracies remained. Due to this, I am requesting a detailed review of the documents I have submitted to put my mind at ease.

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 2025-01-24 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: MD

Complaint narrative:
I am writing to formally request a review and update of my XXXX XXXX and XXXX XXXX  accounts on my credit report. These accounts should be active and reflect all monthly payments as up-to-date. Both accounts are critical to accurately representing my credit history and rental payment reliability. 
Details of the Accounts in Question : 1. XXXX  XXXX : Ensure this account is active and reflects all monthly payments as reported. 
2. XXXX XXXX  : Verify that this account is active and accurately reflects all up-to-date monthly payments. 
I kindly request that you investigate these accounts and confirm their proper inclusion on my credit report. If additional documentation or verification from these companies is required, please notify me so I can assist in facilitating the process.

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 2025-01-25 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX for failing to conduct reasonable investigations of disputes I submitted regarding inaccuracies in my credit report. Despite providing documentation to support my claims, XXXX consistently responds within XXXX hours, asserting the account 's accuracy without presenting any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's recent administrative proceeding against them ( File No. XXXX ) for similar violations. 

I request that the Consumer Financial Protection Bureau take immediate action to ensure XXXX complies with federal law and provides consumers with clear evidence of proper investigations into credit report disputes. 

Thank you for your attention to this matter. 

I would like the following names, addresses, accounts, and inquiries removed : I would like the following names, addresses, accounts, and inquiries removed :

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracy in my credit report. This practice violates the fair credit reporting act ( FCRA ) 15.U.S.C 1681i which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers the necessary proof of investigation

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 2025-01-25 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: MA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracy in my credit report. This practice violates the fair credit reporting act ( FCRA ) 15.U.S.C 1681i which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers the necessary proof of investigation

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 2025-01-25 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I would like to report as inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW AUTO CREDIT COMPANY INC
State: IN

Complaint narrative:
The incident begins in XXXX where I had an accident with a vehicle which was still under lease. I had no insurance on the vehicle so they put me on their mandatory insurance within their company to a third-party insurance company. I was behind in payment. They had told me that I just needed to be current on my insurance and they would file the claim to the insurance. Then three days later they called me stating that I needed to pay the recruiting balance, but it didnt stop any other form of payment, so there was really no sense of actually getting caught up and it was a perpetual decline. I then won a settlement and paid the loan off completely. Ive contacted the company numerous times multiple times theyve said that I still owe the money then I contact the law firm that represented them and they assure me with indefinite fact, even stated in their letter that All deferred judgment has been released and that they have been paid. I have numerous times disputed the accuracy and the logistics through XXXX XXXX with no prevail XXXX XXXX dispute response states that the information is accurate and no change has been made. Thank you sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received my statement last month and noticed a {$2.00} fee. I contacted them and they said it was to mail a statement. I have never seen this before. They said I could get it emailed but I don't look at email everyday and was afraid I would miss it. I asked them to removed the fee and close the card. I paid the balance due minus the {$2.00}. The following statement had the {$2.00} still on and another {$2.00} fee for interest minimum. I would pay this just to be done with them but I'm afraid this is just going to continue the following month with another statement and another fee for it. I actually paid a XXXX more on the balance so one of the {$2.00} fees shows as {$1.00} now

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
illegal credit inquiries since XXXX according to experian : XXXX XXXX XXXX times, experian and experian credit match 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 XXXX XXXX XXXX. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX XXXX. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO TRANSWORLD SYSTEMS INC. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR ANYTHING WITH XXXX XXXX IN MY LIFE. IVE ASKED THIS COMPANY TRANSWORLD TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX XXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All 3 Credit Reporting Agents are reporting wrong information of my credit reporting with wrong ss #

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