vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: GA

Complaint narrative:
PLEASE DO NOT REPLY AS VERIFIED, HOW CAN FRAUD BE VERIFIED, I ALSO HAVE SUBMITTED ALL NECCESSARY DOCUMENTS This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

Experian 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 2024-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Coinbase, Inc.
State: FL

Complaint narrative:
The online program indicated the transaction went through, but suggested it might take a few minutes to clear. No email was sent to me of transaction. My balance in account remains the same. My bank ( XXXX  ) claims they have received no money. No transaction history exists on line, There is no one to talk to at COINBASE. They instead of chat boxes that supply machine answers. I have followed all their suggestions, and i have no answers. I insisted on a call from a human, and the chat box didn't understand the question. This is enfuriating. Please, help. I opened the account in XXXX, i've had all types of issues, never was able to talk to a person. Companies like this should not be allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Self Financial Inc.
State: MD

Complaint narrative:
I Called XX/XX/XXXX Self Financial asked them to send me a Signed Contract stating I gave them Permission to Share my Account information with Anybody this Violates 15 U.S.C. ( 1681 ) sec. 604 also States a consumer reporting agency can not furnish an account without written consent 15 United States Code 602 Right to Privacy XXXX Self Financial XXXX Please Remove this Account Immediately as this is a Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

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 2024-09-10 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
My accounts 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/updated. 

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. 

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 2024-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I engaged XXXX XXXX for marketing services using AFFIRM to pay for it because AFFIRM offered a promise that if I didn't receive what was promised I would not be responsible for it. In the marketing services XXXX XXXX was supposed to provide this was was for professional videos, full marketing support, and website development. They provided none of this and constantly had excuses for delays and problems on their end. I have disputed this with AFFIRM and AFFIRM refuses to honor their dispute process as this was fraud from XXXX XXXX. XXXX XXXX has not provided the services I paid for and therefore if they won't refund it AFFIRM should be stepping in to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I requested at the local Bethpage Federal Credit Union branch in XXXX for my XXXX and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records. 

XXXX Account : 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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 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 explanation
Consumer complaint received 2024-09-10 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I went back to XXXX to turn in my lease. I made the last payment and filled out paperwork to turn vehicle back in. XXXX took pictures of the vehicle and had me sign off on paperwork that was going to be turned in to Ally auto. That day I purchased a new XX/XX/XXXXXXXX and placed it on a lease. 

A month after, I received email and a notice in the mail stating that I didnt turn in my vehicle. I called XXXX to talk to my sales rep and a manager told me that my sales rep no longer worked for the company. I was told by the manager they had several attempts on sending the needed documentation to Ally and werent sure why the information wasnt getting received. I was told they would make sure they send it over and that I wouldnt have to worry about it. 

The notices in the mail continued however I figured they werent something I needed to worry about because XXXX would take care of it. 

XXXX I called Ally and they stated they never received documentation, stating that I would have to take care of a balance. I requested for an email for documentation purposes and was told they wouldnt be able to email me. 

XXXX I called XXXX and notified manager about my conversation with Ally. I was told they would take care of it and would call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV

Complaint narrative:
Re : Error Resolution Notice under 12 C.F.R. XXXX Loan # XXXX Dear Cardinal Financial Company , Limited Partnership : I am writing to request correction regarding an error with the mortgage on our property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, After XXXX exhaustive and failed attempts to resolve my concerns directly with your customer service team @ ( XXXX ) XXXX, I am now reaching out through this error resolution notice to secure a resolution. 

On XX/XX/year>, I contacted the above-referenced customer service line requesting support with identifying the status of a property tax bill due on XX/XX/year>, that the XXXX XXXX XXXX had not received. I had previously spoken with the XXXX XXXX XXXX department, and they confirmed that the only payment received was check # XXXX, sent by me on XX/XX/year>, and deposited to the tax account on XX/XX/year>. 

Your customer service representative confirmed that a payment had been sent on XX/XX/year>, and suggested I wait a couple of days and then call back to see if the payment had been posted. On XX/XX/year>, I contacted the XXXX XXXX tax department again, where they reviewed my account and assured me that no payment had been received from the mortgage lender. The tax representative assured me that payment processing is typically completed in 5-7 days, and they are not experiencing any delays in processing payments or addressing inbound mail. 

I immediately contacted your team again, requesting help identifying where the check had been sent, whether it was cashed, and whether your team could issue a stop payment and re-issue it. The representative repeated what was on the screen, informing me, Cardinal did their part, and sent payment. She indicated there was No way to confirm the check had been cashed, and issuing a stop payment was impossible. 

While I understand that checks get lost in the mail, I find it difficult to believe your company has no recourse when the intended recipient does not receive payments. If I had not made my initial tax payment on XX/XX/year>, my account would now be deemed past due ; sharing this dilemma with your team has resulted in zero effort to investigate or resolve the issue. 

My loan process with XXXX XXXX and his team was straightforward and seamless ; XXXX demonstrated exceptional communication throughout the funding process and helped navigate the entire process with a tone of professionalism ; this experience resulted in XXXX and his team earning multiple five-star reviews on various social media sites. 

The lack of transparency from your customer service team surrounding my tax liability payment leads me to question the accuracy of processing my year-to-date mortgage payments ( which appear to be overpaid ) and escrow account balance. 

Your support in resolving this would be greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXXXX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX {$2700.00} XX/XX/XXXXXX/XX/XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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