vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX CREDIT BUREAU NAME Experian Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. 
Experian, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

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 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 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 2024-06-29 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: MO

Complaint narrative:
Kindly delete these inquiries. I am not aware of this matter, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: MO

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  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 my 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 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 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: TX

Complaint narrative:
AMERICAN FIRST FINANCE XXXX  XXXX  TX XXXX    THEY ARE REPORTING TRANSUNION INACURATE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was XXXX  when I got this loan on a car and the interest rate is beyond high I owe like XXXX in interest a week after having car it broke down, and I continue to have problems. Would like interest rate lowered so I can pay off loan and move on

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 2024-06-29 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: Experian Information Solutions Inc.
State: IN

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.

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 2024-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XXXX XXXX Charter Communications. 

- XXXX XXXX Charter Communications account for XXXX years with for cable modem Internet service. 
- Acquired XXXX XXXX service in XX/XX/XXXX. 
- Called XXXX XX/XX/XXXX, spoke with agent and requested cancellation of account. At this point, I had disconnected my cable modem and was no longer using XXXX  services. 
- Called XX/XX/XXXX to cancel one more after getting billed again, spoke with agent and requested billing cancellation. 
- Charter / XXXX refunded my credit card that was used for billing. 
XXXX XXXX XXXX XXXXXXXX credited my credit card account for XXXX disputed charges of {$69.00} and {$66.00} - XXXX sold my " debt '' to now XXXX different collection agencies- XXXX XXXX XXXX in XXXX, XXXX XXXX in XX/XX/XXXX, now CBE Group. Each time I dispute the amount, it gets sold again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 ( MONTHS REPORTING LATE ) 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 XXXX 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 XXXX, XXXX XXXX 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Dear XXXX, I am writing to address a pressing matter regarding the XXXX XXXX. 
It has come to my attention that there appears to be a misunderstanding concerning the condition of the XXXX XXXX. I must emphasize that during my entire tenancy, I never spent a single night in the apartment due to its deplorable conditions. Despite my repeated attempts to rectify the situation, the issues persisted, rendering the premises uninhabitable and unsuitable for residency. 
Throughout the duration of the lease, the apartment was infested with roaches and emitted a persistently foul odor and mold found in the kitchen. Despite my efforts to communicate these concerns to the leasing agent promptly and to seek resolution, no effective action was taken to address the conditions. As a result, it was impossible for me to occupy the premises or even consider it as a habitable living space. I was also not allowed to look at my room until I finished signing the lease. 
Given the circumstances outlined above, I hereby request to be free of all debt of {$2800.00}. It is imperative to note that tried multiple time for the first XXXX months releasing the apartment which was the only option they gave to get off the lease however, I was unsuccessful. The XXXX XXXXas also had a negative history in the past were others experienced similar situations. I also have photographic evidence of the state of the apartment. 
I trust that we can resolve this matter amicably and avoid any further escalation. If you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I reported fraud to my bank and they denied my claim and its not fair because someone took {$13000.00} out my credit card account. I didnt authorize these transactions and now XXXX in serious debt because a scammer stole my funds. 
My bank XXXX XXXX  says that their mission is to put members first but it doesnt feel that way to me. I shouldnt have to keep reexplaining to different bankers about it what happened. I dont feel like Im being taken seriously at all. I dont know if I have to get the police involved or get a lawyer and go to court to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I HAVE NOTICED SEVERAL ITEMS PUT ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I HAVE HAD MY PERSONAL INFORMATION STOLEN IN THE PAST.

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 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Regarding Cryptocurrency Exchange : Coinbase , Inc . 
I have a long-standing account for investing various cryptocurrency with Coinbase. All assets were purchased through Coinbase with XXXX XXXX transfers. All accounts used to fund the purchase of assets on Coinbase are in my own name and linked to Coinbase. When attempting to send assets to my wallet off Coinbase Coinbase put a restriction on my assets not allowing me to send ( withdraw ) these assets. Chatting with their support team, they requested an additional verification process which I completed. Additional verification required me to take photos and provide front and back copies of state ID ( Driver License ) which was completed. Coinbase replied that for my protection they are restricting my access to send assets off of their platform for 60 days. No other information has been provided ; no reason has been provided. No updates have been provided on the restriction. I have completed all steps theyve asked. Holding these assets in a non-liquid form is causing financial XXXX for me and my XXXX and it appears Coinbase is leveraging my assets for their own gain. 
I assured Coinbase Customer Service that my transfer request was indeed me and that I understand the process. I verified my identity and intention to complete the transaction and that this was not fraud and I was not being coerced to transfer my assets. 

Here is the only message received from Coinbase : As the most trusted crypto exchange, Coinbase takes a number of steps to keep your account safe, and we actively monitor for unusual activity and scams that may affect our customers. Based on this monitoring, we are concerned you may have sent, or are trying to send, crypto to a fraudulent person or platform. 
Out of an abundance of caution and to protect you against potential loss, we have temporarily limited your ability to send additional crypto until XX/XX/2024. This restriction will be removed automatically as the set time period elapses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
I have inaccurate information on my credit report on TransUnion, XXXX and XXXX that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance of {$1100.00}. I never received a XXXX c form from the debt being paid off, and according to Law FRCA XXXX it is illegal to report information on my credit report without my permission.

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 2024-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inaccurate information on my credit report on XXXX, XXXX and Equifax that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX balance of {$1100.00}. I never received a 1099 c form from the debt being paid off, and according to Law FRCA 605B it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
I have inaccurate information on my credit report on XXXX, Experian and XXXX that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX balance of {$1100.00}. I never received a XXXX c form from the debt being paid off, and according to Law FRCA 605B it is illegal to report information on my credit report without my permission.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NM

Complaint narrative:
XXXX reported a claim for windshield on my truck in XXXX of XXXX. A claim was never submitted by myself I only inquired about deductible and decided to pay out of pocket. XXXX still reported a claim to Lexis nexus. I disputed with XXXX they argued that it does not cause an increase to my insurance premiums however it has and I have tried numerous times to get this corrected with no luck. I have proof as I just renewed my insurance again and the price went from {$490.00} for 6 months to {$540.00} and it shows it is because of the fraudulent claim from XXXX. Lexis Nexus was contacted and told it was incorrect and they refused to correct it. I also filed complaint with XXXX XXXX insurance complaint and that went no where. At this point I want this fraudulent claim completely removed from my profile and reimbursement for the additional cost that this false claim has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further 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 2024-06-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further 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 2024-06-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Under FCRA XXXX, you are obligated to remove any mistaken accounts from my credit report. Could you please review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I tried to transfer my money from XXXX XXXX  to my mothers account in different country for my future travel expenses via WISE. Now I lost my money plus wise charges me {$7.00}. I am trying to get a refund, but only I can contact them with their customer services. Every time I call them I have to explain what happened and their customer services keep telling me that they cant transfer call to their XXXX. I need my money back as soon as possible, but they never able to assist me. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Kindly remove these inquiries. I have no understanding of this, and the company carried out this action without my authorization.

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