vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC Last reported XX/XX/XXXX {$2800.00} Open balance JEFFERSON CAPITAL SYSTEMS LLC Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name JEFFERSON CAPITAL SYSTEMS LL Request this to be removed due lack of information and proof of ownership and by law i have the right to request this and to know who the original owner is seeing that they sold my account to a third party. There has been over 45 days and no respond or proof just call saying to pay this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
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 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called in XX/XX/XXXX to get amount to pay for promotional balance for my XXXX XXXX XXXX and how to make sure applied to account correctly. I was told {$430.00}. I also asked how to get it applied to the account correctly and they said the computer would know how to apply it by the amount. It took XXXX people to come up with that figure and probably an hour of my XXXX $ XXXX to get the info. So I got transferred over to the computer so I made the payment. I get the statement and it was applied to the regular balance. I called once again and asked to have it moved to promotional balance and make the rest of the correct payment ( because I was then told I would have to pay {$6.00}? ? XXXX ) and they couldn't do that even though it was their fault. Called back again and got same story on XX/XX/year> and there was no one else I could talk to. Dug farther and found number for complaint and spent another hour on the phone with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union ( NFCU ) for violations of my rights under federal laws, specifically : Failure to Validate Debt as Requested : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of a debt, and I never received a notice of collection. I submitted formal written affidavits requesting validation of the debt in question. Despite multiple requests, Navy Federals customer service and collections department have failed to validate the debt and instead continue to address my affidavits improperly.

Refusal to Issue IRS Form 1099-C : Navy Federal has charged off All credit card accounts but refuses to issue a 1099-C ( Cancellation of Debt ) as required under the Internal Revenue Code, Section 6050P.

A creditor is obligated to issue Form 1099-C when a debt of {$600.00} or more has been canceled or charged off. 
Their refusal is preventing me from fulfilling my tax obligations and understanding the true status of the debt. 
Unfair Application of Funds ( Right of Setoff ) : Navy Federal has taken my available funds and applied them to the charge-off account without my consent. While I understand financial institutions may invoke the Right of Setoff, I dispute this action as unfair and deceptive due to the unresolved status of the debt.

Lack of Acknowledgment by Legal Department : I submitted affidavits directly requesting resolution and acknowledgment by Navy Federals legal department. Instead, these communications are being mishandled by customer service and collections departments, delaying appropriate resolution.

My affidavits sent to Navy Federal are attached Correspondence with their customer service and collections departments are attached Proof of Navy Federal Credit Union actions regarding the charge-off account.

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 2024-12-16 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KS

Complaint narrative:
XXXX {$320.00} XXXX I C System I do not owe his amount of money and I have been falsely accused and this is not my bill and I do not owe this

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 2024-12-17 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXXXXXX 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 2024-12-16 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: MA

Complaint narrative:
Several unauthorized accounts have recently appeared on my credit report, and theyre having a serious impact on my credit score. These accounts were opened without my knowledge, and theyre presenting a misleading view of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX Officer Finicial center assistant mangaer Bank of America XXXX XXXX XXXX XXXX  XXXX ny XXXX Im writing a complaint against XXXX XXXX. I hold a business account with Bank Of America for over XXXX years and Ive been coming to this branch for over a XXXX years. I know all the managers and everyone, but this new manager has always been giving me issues with my account. She said something very nasty to me, and very prejudiced against me. Maybe it was my XXXX star hanging for my neck. Today was the third time shes been very prejudice against me, and I started getting very furious and excited inside the bank for the first time. And XXXX years Ive been there.

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 2024-12-16 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-16 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Avant Holding Company, Inc.
State: OK

Complaint narrative:
On XXXX I was approved for a XXXX loan with an administration fee which was XXXX percent of the amount which is XXXX. The loan was funded on XXXX and was paid in full on. XXXX. I spoke with a representative on XXXX regarding a refund for my administration fee which I was told I would only receive XXXX percent of the XXXX and that XXXX percent was non refundable. I spoke with a supervisor who told me I would receive XXXX within XXXX calendar days. No where in my contract does it state that a refund process will take XXXX calendar days. I filed a complaint with the XXXX on XXXX and have yet to get any response or update. I am requesting a full refund of the administration fee due to deceptive practices. I was funded in XXXX business day and I paid my loan in XXXX business day so I should get my refund in XXXX business day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
From XX/XX/year> to XX/XX/year> i had taken a trip aboard outside the United States to complete a summer course and to visit friends/family. I myself am a United States citizen. During this time my account on Gemini was locked/frozen. Presumably because their service was on my phone and was flagged. I understand, this happens. I have the documents to show my trip and the dates, along with my name on these tickets. They are presented in chronological order and dates/places are noted on the tickets that are in another language. 

On XX/XX/XXXX, I opened a support ticket with Gemini exchange, explaining my problem. They responded and explained that their services are not available in the country I was visiting and to contact them once I return to the United States. I do so ; they ask for my passport, photograph and my ticket information and purpose of trip. I provide that information and they respond that my issue has been resolved. I check my account and it appears to be the case, i can now open my account, a few days later i realized that while my account can be viewed, i can't actually use any of the functions, withdraws, buying and selling buttons are grayed out with a message saying my account is still frozen. I contacted Gemini again, I started a new ticket but also continued my dialogue on the old ticket and through both they once again ask for the same verification documents. I provide them, again. This would be 3 times Ive had to provide identification documents and proof of my trip. This all happens on XX/XX/year>. After this i get no reply whatsoever. On XX/XX/XXXX, Through two tickets i ask for confirmation, and note i haven't heard anything for a while. Once again silence. I receive a bot reply alittle later. On XX/XX/XXXX I once again submitted my documents and note the purpose of my trip. No reply. XX/XX/XXXX I again note that I haven't received any response, provided all requested documents and i respectfully ask for help. I get another empty bot reply. 

I have over {$110000.00} worth of currency on this account. All of my replies through this process appear to be from bots ; there doesn't exist a phone number or any alternate way to get a hold of the company or get help. I attempted to contact them through XXXX of their official social media accounts and received no reply. I stand to lose a great deal of money if this isn't resolved as crypto is time sensitive. My money is held hostage and i can not do anything, cant talk to anyone and receive only stock bot replies through their online help center system. All of this evasiveness and stonewalling makes it seem as if the company is attempting to hold on to my currency. Its been almost 6 months since this issues has happened and in that time it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: VA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report.

I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days.

Please find enclosed the following documents to support my claim :.

I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes.

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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