vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Checking account through a bank that I already had a credit card through. I used the same information. II had two social security benefit checks deposited. They tell me I am not me and need to go to a branch ( XXXX miles ) to verify I am me. When I call the credit card phone number I use the same answers to the questions and have access. I never received a debit card. I never received any letters and they are unwilling to budge and give me access to the funds in the account.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Formal Complaint against Experian Non Compliance with FCRA Regulations. 
On XX/XX/year> spoke with your fraud Department I was informed that isnt Experian responsible to obtain any information from the Creditors and under FRCA the Creditor are deemed trustworthy. FCRA law clearly not being followed by Experian 1.Section 1681e ( b ) provides : 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. 15 U.S.C. 1681e ( b ).

2.Consumer have a right to send a method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 


3.The Fair Credit Reporting Act ( FCRA ) is a law that protects consumers from inaccurate credit reporting by requiring that consumer reporting agencies ( CRAs ) and furnishers provide accurate information : Consumers file several Methods of Verification for identify theft to XXXX XXXXXXXX no follow up from Experian. Consumer didnt receive any hard evidence or documentation within XXXX. 

Consumer file Method of Verification with Freedom Mortgage no response or documentation submitted within 15 days Consumer file Method of Verification for Flag Star bank no follow up or documentation submitted within 15 days.

Experian has shown complete disregard for law that are assigned to assist the Consumer and protect the Consumer Rights to fair and inaccurate reporting.

Im requesting Experian be held accountable for not following FCRA and Sanction to the full extent of the law. If Consumers cant trust the CRA to report accurate information than that what sense does it make to have law that governs according.

Im requesting the Following Experian deleting all negative from credit reports from the Creditors list in this letter.

I will be contacting an attorney if these issues arent addressed within 15 days of this and seek a lawsuit in court.

CC : Consumer Financial Protection, Federal Trade Commission, State Attorneys over Consumer Affairs Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-29 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: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EXPERIAN. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to XXXX U.S.C XXXX Section XXXX and XXXX U.S.C. Section XXXX A Section XXXX, I have the right to privacy, and a consumer reporting agency can not furnish an 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 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I opened a Coinbase account several months ago. I signed up as a premium " Coinbase One member ''. The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX ( our local church ), of which I am the CEO ( XXXX XXXX ). The email address for the account is XXXX. I had a weekly auto buy order setup with no issues for months. All of a sudden my auto buy order is cancelled, my bank account link is gone, and my account is restricted and I can not add any bank accounts or sell any crypto or transfer any. I re-verified my identity successfully however my account is still restricted. I called Coinbase XXXX  priority support and was put on hold for over 30 minutes and had to go before they could get to my call. I opened up a support case ( # XXXX ) ; and filed an official complaint with Coinbase ( # XXXX ) ; however, Coinbase will not allow me to transfer my assets off of their platform or withdraw to my bank account. I have exchanged multiple emails with Coinbase, however, they refuse to allow me to access my own assets that I purchased on their platform. All they say it that the account is " under review '' ; and nothing else. This is ridiculous. I've heard from others that they do this for months and they are holding my assets hostage. I simply want my assets and cash back! They have no legal justification whatsoever to deny my request for my assets. I've jumped through all of their hoops and did ID verification multiple times. They need to be held accountable for not letting me access my assets back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To Whom It MaXXXX Concern : Pursuant to the XXXX Fair Debt Collection Practices Act ( XXXX XXXX XXXX ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had checked credit report and its showing its open. When its supposed to closed. Showing XXXX accounts thats already been charged off. Both are open and its not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of XXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( Transportation fede ) Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act XXXX XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of XXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( Transportation fede ) Date of inquiry XX/XX/year> The inquiry was not authorized ( Citizens Bank XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: LA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 Code 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 to be updated. 


They are not in compliance with the following law. XXXX5 USC 1XXXX 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 USC 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 Code 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 to be updated. 


They are not in compliance with the following law. XXXX USC 1XXXX 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 USC 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was scammed into sending money to a person through Cashapp. 

I have reported the issue to Cashapp but they are not providing me with any solution. 

Their process just sent a message to the receiver of the money for a refund but obviously that person is not going to send the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2024-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: The Cook Law Office PLLC
State: NC

Complaint narrative:
Civil Warrant Number XXXX The XXXX XXXX XXXX XXXX Subject : Request for Verification of Debt and Contract of Sale Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I XXXX XXXX XXXX, am the defendant in the above-referenced case and am requesting verification of the debt in question, as well as a copy of the contract of sale or assignment agreement to confirm the legitimacy and ownership of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  XXXX XXXX, I am entitled to request proof that any party reporting or attempting to collect a debt has the legal authority to do so. I have previously submitted a written request to the plaintiff, [ Plaintiffs Name, e.g., the XXXX XXXX or relevant entity ], seeking documentation showing they have acquired the rights to this debt through an official contract of sale or assignment from the original creditor. 

In the absence of such documentation, I am concerned that the plaintiff may lack the necessary legal standing to collect this debt. I respectfully ask the court to consider this matter and, if deemed appropriate, require the plaintiff to produce the following documentation : Contract of Sale or Assignment Agreement : Document evidencing the transfer of ownership rights of the debt from the original creditor to the plaintiff. 
Verification of Debt : Proof of the debts legitimacy and any accompanying account statements or records. 
The FCRA requires that consumers have access to accurate and complete information about debts on their credit reports, including any debts currently in dispute. The documentation requested will allow for a full and fair evaluation of the debt 's legitimacy and ownership before proceeding further in this case. 

Thank you for your time and attention to this matter. I look forward to your guidance on how to proceed if the requested information is not provided. 

Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. THE BUREAUS and XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates, on XX/XX/year>, sent me a letter ( reference # XXXX ) stating that I owe {$63.00}. I have filled out a form to cancel my XXXX XXXX  at XXXX 's and handed it to the employee there, yet I still was being charged. On the last day of my membership, I walked to the counter to ask to cancel my membership. I was handed a paper to fill out. If I had known this would become an issue, I would have taken a picture of the form or I asked for a copy. I can't help but think I was setup for a type of " legal '' fraud.

Company response to consumer: Closed with explanation