vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ameritan Group Services
State: CA

Complaint narrative:
On Thursday, XX/XX/year>, my brother whom lives in Hawaii and my daughter received calls from this company looking for me. I called the number that XXXX XXXX left of ( XXXX ) XXXX. He wanted to verify that it was me calling. I asked him what company he was representing and stated his company in a mumble several times. I had him slowly state his company and the of his call. I informed him I had no debt with his company. He stated that I had an outstanding debt with XXXX XXXX XXXX with a balance of {$5500.00}. I asked him if he could validate the debt and if he had permission. He then overtook the call and stated that he had all the information and that he will email all the information needed. He then informed me that I needed to settle this debt or there will be a lien taken on me. I suffer from XXXX XXXXXXXX and started to break down. I then informed him that I dont work and that were living off of our credit cards and are almost maxed out. He then told me that I needed to make monthly payments or else. I told him that I couldnt afford to make any payments. He said that I needed to make a minimum of {$75.00} per month. I agreed and gave him my checking account information. I asked him if his company had a website and he stated yes and provided his companys website. He sent me a document via email and I signed it. Once the call was completed, I checked the internet for the website and there is nothing. All I find are bad reviews. It also has a scam claim on Washington State Department of Financial Institutions ( gov ). I did close my checking account with XXXX XXXX and did a Stop Payment with this Company.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights UNDER XXXX XXXX XXXX section XXXX states I have the right to privacy. 

XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account with out my written instructions. 

Under XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My address is incorrectly listed on my credit reports. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My address is incorrectly listed on my credit reports. My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On Friday XX/XX/XXXX I was given a bonus check from my ex employer, I normally get direct deposit but because i needed some money asap XXXX XXXX XXXX  had to issue me a check, I picked up the check from the Accounting person that was still at the plant. I went to Chase Bank ( my bank ) to deposit it into my account. They put a hold on it and wouldnt let me get any cash from the deposit. The gal at the bank said I could call the number on the receipt tomorrow to make sure there is no holds and they will release it. Well there was ahold they said they needed to confirm the check is good i told them to call XXXX  at the plant they refused because her number wasnt registered to the company and i was told i would have to wait XXXX  days. On XX/XX/XXXX the bank sent me a text and email for me to contact them regarding my account i did the the gal on the phone said my account is restricted until they can confirm the check was meant for me. they wanted to call someone and talk to them from the plant. I told them there is no one there only XXXX  so she asked me for XXXX XXXX full name i gave it to her she said she wasnt on the list. She asked me for other names from the company to see if they matched i gave XXXX name she matched but i dont have XXXX personal number and I am sure XXXX knows nothing about the check i was issued. So I couldnt resolve the issue. I called XXXX and she they already got paid. The check cleared the company 's bank. So first thing this morning I check my account because i was expecting my severance pay today and nothing was there. So i texted XXXX and XXXX said the depsits were sent out yesterday including mine so i call chase aind they oh ya i see but its processing. So i get up and go to the bank and after being there for XXXX hours I still walk out with the issue unresolved they still refuse to give me my money and my direct deposit for my severance and unemployment will be returned because my account is restricted. I was told that they are waiting to see if the check gets returned from XXXX. I am late on all XXXX  bills including my rent my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per XXXXXXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per XXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Dear XXXX XXXX, XX/XX/4202 We are writing to inform you of a data security incident ni which your sensitive personal information may have ben accessed by an unauthorized third party. This notice provides information concerning the incident and the services we are offering at no charge to help you protect yourself.

What Happened?

On or about XX/XX/2024, XXXX identified a potential incident affecting its systems. We promptly took a series of steps to contain the incident, remediate the issue, contact law enforcement, and launch an investigation fo the incident. Through our investigation of the incident, we determined that between XX/XX/XXXX and XXXX  XXXX XXXX an unauthorized third party gained access to certain of our systems, including certain sensitive personal information stored in those systems.

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 2024-12-13 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:
REMOVE INMEDIATLY THESE FRAUDULENTS ACCOUNT TO EXPERIAN : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR XXXX TIME I MAKE FTC REPORT FOR BOTH ACCOUNT IS NO MINE, IS OPEN FRAUDULENTLY AND 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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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 XXXX 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 EXPERIAN has not wanted to give me a solution to this problem, THE DONT PROVIDE TO ME ANY DOCUMENT UNDER MY NAME, THIS IS A VIOLATION TO MY RIGHT 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 the both company XXXX  XXXX XXXX and XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union approved me for a XXXX  XXXX  and or XXXX  and during the process they switched loan officers, and used dilatory tactics, had to submit new application, then stated the cash out amount would change, and later denied the my application after more than XXXX plus days of waiting to close on the loan and continued to get the run around and eventually denied the loan for an illegitimate obscure reason. My credit and finances met the criteria for approval. After going back and forth with XXXX XXXX for several weeks about this discrimination, abuse, and deceptive business practices there were news reporting about NAVY FEDERAL CREDIT UNION discriminating against people of XXXX such as myself ( 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Trans union is in progress but to make any changes they are asking for the same information so if they keep requesting the same information and wont let me change anything it is difficult obvious duplicates timeline likely would make it inaccurate otherwise mostly residence numbers. 
The rest they did start to work on. But if I cant respond it could go either way. But if being worked on I will be patient as long as they keep me posted although I still see a few that I know I would not have within a couple weeks so I hope that they notice XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX date is a little close so likely unless other reason I did have XXXX XXXX XXXX. 
XXXX wont even answer if asked to call so Im hoping they make progress XXXX has been the most difficult of the XXXX to get anything done any which way. Kind agent if you do get through gets me nowhere. Nothing so something is not okay. Called to let them know I mailed XXXX and current utility bill no answer yet most difficult of all XXXX. No excuse

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 2024-12-13 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: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX I deposited {$300.00} into Coinbase. XX/XX/XXXX I made an instant withdrawal of {$250.00}. That withdrawal never entered my account. I contacted my bank to ask why. I provided my bank with the transaction reference number provided by Coinbase. The bank said the reference number was insufficient because it was not an XXXX  transaction number, so I went back to Coinbase to ask for XXXX. 

The Coinbase support desk simply refers you back to their self-help FAQ 's. The wait time for a representative, either via phone or via their virtual support, is continuously XXXX hours. Doesn't matter what day or time you call. I tried multiple times and failed to contact them for the first week. If you do not leave the support screen open for the entire duration of your wait, they will start your que over again. 

On XX/XX/XXXX, I started waiting for a support agent at XXXX and finally was able to reach someone around XXXX, nearly XXXX hours later. They claimed that the transaction was completed, and asked for my bank statements to verify that it did not hit my account. I downloaded XXXX from my bank account online and sent it to them, they claimed it was insufficient and told me to ask my bank for XXXX. Since it was midnight by this time, I could not ask my bank. Coinbase sent me an email saying I wouldn't have to sit on hold for support again. I uploaded my bank-retrieved statements to their online platform as requested, then emailed them back to confirm I had submitted the required documents. I instantly received a bounceback email stating that the support case had been closed, and to start the process all over again. 

So, now I'm back on hold, trying to reopen a new case. Even though I've supplied them with my bank statements multiple times, they said I could submit it through email, and I wouldn't have to sit on hold again. Considering Coinbase has a multi-billion dollar net worth, they are more than equipped to provide customer support, and their failure to do so is absolutely deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
In XX/XX/year>, my Robinhood account was locked due to concern for unauthorized access. I contacted the company support, explained my issue. A help ticket was opened on XX/XX/XXXX. On XX/XX/XXXX, I received instructions for how to request a phone call. None of the instructions worked over the following XXXX weeks, as the instructions will not allow me to request a phone call without having an account. Since the account is locked, I can not log in to the app. On XX/XX/XXXX, I attempted to reply by email requesting additional support and received an automated message saying the help ticket was closed. I have attempted to contact support through their website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have not received confirmation that a case has been opened. My funds have been locked in my Robinhood account for over XXXX weeks.

Company response to consumer: Closed with explanation