vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Nothing was taken from me, im simply trying to verify my profile with coinbase for the past 1 year plus. Been in their chat multiple times chatting with support for probably over 24h at this point. And after sending all the required documents they keep sending me in circles. First they took over 3 months to review the documents, and then sent me a email that the documents have expired because they are older then 3 months. Then I re submited them and they use the excuse that they are really busy so its gon na take a while. I still precisted to write to them everyday with the hopes that I will restore my account access. Sadly it did not work, just waisted my time and energy. I have proof of them delay me for 30 days so far because I started recording the converstations with them. The last time they said I havent submited the right documents and I have SS of their customer support telling me ive submited all the right documents and just need to re submit them that was 30 days ago. So at this point Im hoping at least they can be held accauntable for making a fool out of me for over a year now. The documents I've submited are a Debit Card Statement dating from XXXX to XXXX, Bank Statement of the same Debit Card + copy of my national ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NJ

Complaint narrative:
I recently reviewed my Transunion credit report and saw fraudulent reports as to a collection company XXXX XXXX with a collection balance of {$13000.00}. Please remove fraudulent reports from my Transunion credit report as to this collection company.

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 2024-06-05 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: TX

Complaint narrative:
Unauthorized inquiries have been detected on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX there were two withdrawals from my checking account. The first for {$100.00} stated " Legal Fees '' the second was {$1900.00} stated " Garnishment ''. I have no known pending legal cases, no outstanding debts. I believe someone is acting fraudulently and somehow convinced my bank, US Bank, that this was a legal judgement. I believe this was orchestrated by fraudulent debt collector attempting to collect on a credit card ( XXXX ), that was removed from my credit report ( statute of limitations ) years ago. They are the same individuals that have made threatening phone calls and said I was to be arrested.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I deactivated a Bank of America credit card. Since then, I received a new card with a completely different account number. 

In XX/XX/year>, I made my first payment on the new card, {$850.00}, but for some reason, the payment was applied to my deactivated card, which had a XXXX balance. I contacted Bank of America, asking them to either refund the payment or transfer it to my active account with a balance. They informed me that the transfer would take XXXX days or more, so I opted for a refund instead. XXXX days have passed without a refund, and when I followed up, I was told it would take XXXX business days to correct their mistake. 

I urgently need my money back, as I had to make an additional {$800.00} payment to the card that should have been paid to begin with. It's troubling that I can still make payments on my XXXX deactivated cards. Why am I able to pay on accounts that are closed and have no balance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We want to file a complaint against Citibank for not protecting us from scammers and fraud. 

My wife was having problems with XXXX, the electronic payment system, so she went onto the Citibank website and contacted Citibank. Somehow, and we do not know exactly how, she was transferred to scammers, who proceeded to extract sensitive information from her. She gave them the information, thinking she was speaking to her bank. 
In the meantime, I got suspicious and went to our bank branch and urgently talked to the manager who assured me that all our accounts would immediately be blocked and that I should not worry. Yet the next day we discovered that some {$49000.00} was transferred out of our account. When we went to see the bank manager, he said it was too late. 

We appealed to the bank twice, but they turned us down. I have since discovered that the Attorney General of New York has instituted a class action suit against Citibank for precisely the kind of scamming practices and the bank 's inability to protect its clients. 

The funds were transferred out on XX/XX/year>. We appealed twice and have a case number.

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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around XX/XX/2024, I fell victim to multi-layered scam operations that is a non-delivery scam perpetrated by across-state XXXX XXXX and shipping group that I encountered on XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudsters.

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 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I went into my electric company, XXXX XXXX  XXXX and requested that my services be disconnected on XX/XX/XXXX. They scheduled my disconnect and told me my deposit would be kept until after the disconnection and if any money is owed it will come out of my deposit and any remaining money will be mailed to me in a check. I was out my previous location on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from a debt collection company by the name of On Line Information Services stating I owe XXXX XXXX XXXXXXXX, {$300.00}. My XXXX bill was paid in full. There is no way I owe {$300.00} for 7 days worth of service. My deposit was {$250.00}. I should've received a check in mail because there is no way they are charging me that amount for XXXX from XXXX XXXX. I was completely out on the XX/XX/XXXX and I called and ask if it could be disconnected on the XXXX and they told me since I scheduled on the XXXX that's when they will have to disconnect. XXXX XXXX XXXXXXXX is a rip off! And need to be investigated. They can turned off the services in office until they disconnected from the outside box. I called XXXX XXXX XXXXXXXX and they tell me they can't speak to me on the matter. They can't speak because they know they are wrong and defrauding their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
My account with XXXX XXXX was never late! I have had exceptional payment history withXXXX 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 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 my account 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 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

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 2024-06-05 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 looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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.

This is my six request I have sent and nothing was done.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Thursday XX/XX/XXXX, I opened XXXX bank accounts with capital one. A checking and savings account for my wife and I, and XXXX minor accounts for our children. We transferred funds from our account into the XXXX new accounts. The next day, I got an error message that there was a problem with our funds and I needed to call capital one. They informed me my new accounts were under investigation and I could not access the funds. They then told me they were ending their relationship with me and opening an investigation into the funds. All of this, because someone from washington DC supposedly tried to access my account. They accused me of fraud, and closed the accounts. The money has already been taken from my XXXX account, a total of {$2500.00}, and capital one won't give it back until they " complete their investigation ''. They won't tell me what that investigation is, or when it will be over, but they're holding my money hostage. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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 2024-06-05 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
Violations of The Fair Debt Collection Practice Act and There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D XXXX XXXX XXXX ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX 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 reported in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX 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 XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I recently check my credit report and noticed that Midland Credit Management has been reporting incorrect information. They have reported the account closed to XXXX and XXXX and reported the account open to XXXX. Midland has also closed and reopened the account on the same day. I would like this account removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have disputed multiple late payments with Capital One. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. Capital one has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report. I am writing to formally dispute the late payments reported on my credit report, which are due to the delayed processing of my payments by Capital One. These late payments are inaccurately affecting my credit score and overall creditworthiness. I have consistently made timely payments to Capital One ; however, due to their internal processing delays, my payments have not been credited on time, resulting in the erroneous reporting of late payments on my credit report. This situation is beyond out of my control and unjustly penalizes me as a responsible borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted the credit bureau to dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to respond within 30 days, or 45 days if I provided additional information. However, it has been over 45 days, and I have not received a substantive response. Instead, I have received multiple letters stating that they do not believe it is me making the request, despite having sent two additional letters confirming my identity and providing more information. I request that my account be thoroughly checked and the dispute resolved promptly.

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