vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I had issues with my XXXX  XXXX XXXX credit card. After receiving three phone calls from a XXXX number I thought it was XXXX  XXXX  XXXX calling me so I picked up. I spoke to someone who said they were a XXXX  XXXX XXXX representative who was calling regarding the issues I had with my credit card. I was fully convinced they were XXXX  XXXX XXXX. They told me they were going to send me an authorization code to confirm that I was the person they needed to speak to. Upon reading the authorization code back to them I got an alert that there was suspicious activity on my XXXX  XXXX XXXX Business Checking Account. After telling them about the suspicious activity, they told me they were going to send me another authorization code and to read it back to them once it got to me. I read it back to them and they hung upon. After checking my Bank Account I realized that they were scammers and they scammed me out of a total of {$14000.00} that was sent to them through Zelle. Upon looking at the messages closely, I noticed then that they were sending me Zelle authorization codes. I didn't realize that the codes were to authorize a payment. I thought since Zelle was used by XXXX XXXX XXXX, it was just a code from Zelle. 
After this happened I went to XXXX  XXXX XXXX to complain and they told me they could only file a claim on my behalf. I just received a notice saying that there is nothing they could do. I was a victim of a scam and wish to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/year>, LVNV Funding LLC sued me on a time-barred debt in a jurisdictional district where I did not reside. The company knew, or should have known, that fact. Not only did LVNV Funding LLC sued, but they made a false declaration to the Court that I was properly served process in person at an address that I did not reside on the date I was allegedly served. Furthermore, despite several request for verification and/or validation of the alleged debt, LVNV Funding is yet to provide such verification and/or validation. 

Summary : ( 1 ) On XX/XX/year>, defendant violated s.1006.26 of the FDCPA by filing a lawsuit on a time-barred debt.

( 2 ) Contrary to s.811of the FDCPA, defendant unequivocally filed a lawsuit in XXXX XXXX XXXX TN, a jurisdictional district in which plaintiff did not reside at the commencement of the action on XX/XX/year> or anytime thereafter. 
( XXXX ) Furthermore, defendant failed to verify and/or validate the alleged debt within 30 days of initial contact ; thus violating s. 809 of the aforementioned statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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:
As per the guidance from the Consumer Financial Protection ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-21 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: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-21 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: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-21 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover credit card I asked for a 1099C to cancel the debt and never got a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed that my Navy Federal Credit Union credit card declined a payment. I had recently paid my credit bill, so I was confused as to why my credit card did not work. When I called Navy Federal Credit Union, I was told that my account was closed, but I did not receive any correspondence from them about this closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I noticed an account on my credit report reflecting a negative impact due to unpaid balance. This was for a Bloomingdales account that I never opened. I began disputing the charges but nothing ever happened. I then began contacting Bloomingdales directly and filed to have an investigation opened. The outcome of the investigation showed that there was no fraud found and that I would be liable for the charges. I then had the investigation reopened and filed a police report as well. I have to wait weeks until a copy of the report will be sent to me so that then I can submit it to Bloomingdales fraud department.

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 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
For about 4 months now, I've been asking Coinbase to unfreeze my account or to close my account and send my money back to my bank account and they keep telling me to wait for an email from XXXX, I've been provided all requested information but my account stayed frozen. Finally on XXXX XXXX, customer service fixed it where I could send my crypto currency to another account, so I sent it to my cold wallet {$10.00} worth of XXXX to make sure it was going to my account, after that I tried to send {$2000.00} Worth of XXXX and it was failed and my account was frozen to where I can not log in and can not see my funds. I can't process to verify i.d that it's me to unlock my account, I can't sign in and I can't chat with customer service and their XXXX number customer service is not available, it says not available and it hang up. So there's no support to get this matter resolve, I've emailed over and over with no response. I don't know what to do, I feel like Coinbase is scamming me out of my money. Before I was locked out but I could see my crypto currency but only to watch going down in price and I couldn't set a stop loss or transfer to XXXX. OR withdraw my funds, I started {$10000.00} and the last time I was able to see my account I was down to {$4500.00} now the account has been frozen, I can't sign in and see my funds there's no customer help, I've tried every way possible. I have a lot more screen shots of conversations with Coinbase customer service also emails. Please help me with this matter thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: OK

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
They took my last four principal payments which was made on XX/XX/2024, and applied on XX/XX/2024, which was XXXX then next one was on XX/XX/2024, which was XXXX and it was called misapplied funds on XX/XX/2024, and the next one was on XX/XX/2024 which was for XXXX and it was put in as misapplication reversal and the last one was for XXXX on XX/XX/2024 and it also said misapplication reversal and all of them were put in a suspense account which totaled XXXX and they won't apply it back to my remaining balance and each day they applied my principal and then the following day they would take it away my next payment is not due until XX/XX/XXXX and the explanation they used is on XX/XX/2024 misapplication reversal. Also, my account is locked from making any future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
Its a property management condo apartments and I went to rent there with my family and told them the reason I was trying to move there because theres mold in the previous premise I was living and I proof that legally so I could move. They told me not to worry they would have a good apartment and when it gets a few days of moving the apartment was in bad condition so I did not trust them anymore! They told me they were going to find another apartment for me but it was on the second floor and then coming from This horrible experience with my family and XXXX kids I decided to not rent there and I didnt not even signed a rental contract! Now they want to charge me certain amount and keep putting me in collection for no reason, XXXX months has passed, last time I dispute with XXXX XXXX. And it was take out of my credit report and now they come again. Please help me! Its absurd this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: OK

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-21 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: OK

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-21 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: CT

Complaint narrative:
Im being charged XXXX in late charges, at XXXX a pop for late fees, it means Ive been late 30 times. When was that?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
I noticed an account on my credit report reflecting a negative impact due to unpaid balance. This was for a XXXX account that I never opened. I began disputing the charges but nothing ever happened. I then began contacting XXXX directly and filed to have an investigation opened. The outcome of the investigation showed that there was no fraud found and that I would be liable for the charges. I then had the investigation reopened and filed a police report as well. I have to wait weeks until a copy of the report will be sent to me so that then I can submit it to XXXX fraud department.

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 2024-07-21 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: MS

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief