vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, 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 the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-01-04 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, 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 the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
Clied another while working on another, ITS THE SAME THING, EXPERIAN HAS STOLEN NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO 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 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This debt was paid and this company is PERMANTELY CLOSED AND the owner is in federal prison for FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
Spring Oaks capital LLC, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). XXXX XXXX XXXX obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This debit is furnished on multiple of my credit reports as a negative item and it has affected me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: PA

Complaint narrative:
I have three accounts appearing on my credit reports. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX IN {$2400.00} XXXX XXXX XXXX XXXX {$820.00}

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 2024-01-04 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: PA

Complaint narrative:
There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and so forth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I sent two responses and instead of responding back with a letter to settle the debt Portfolio Recovery Associates took legal action against me. This was as if I did not respond and cooperate when I in fact did. Which violated the Fair Debt Collection Practices Act. This is illegal debt collection tactics. They filed a lawsuit with no intent to settle the debt with me after not one response but two. This company should not ignore the CFPB, s rules just because they are a dominant market. Especially when these responses were not a refusal to pay which is stated this was to settle the debt without a court cost but they felt they did not need to respond to me with a settled price after deductions of proof of my receipts to the original debtor. They feel they can charge me the full amount and disregard my previous payments made before they decided to get involved and pick up the debt. Also portfolio recovery associates stated they would provide the request of proof of documentation to settle the debt which they infact did not and instead took legal action against me. Also i even sent in a certified letter and they still felt no need to respond back to me. 

XXXX XXXX XXXX thinks they can collect debt from people without reasoning before taking legal action. Even if you reply with a response to there debt collecting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NJ

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.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2024-01-04 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: NJ

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Hello, I have been contacting Bridgecrest since the end of XXXX to inquire about deferring XXXX monthly payment. I had an unexpected expense of {$7000.00} to replace a XXXX  XXXX XXXX. I was told in XXXX to set up payment arrangements with a partial payment for XX/XX/XXXX and the other for later in XXXX. When I called about the partial payment, I was told that I do not qualify for the extension and I had to wait until next month. I borrowed and was able to satisfy the payment. 

Since then, I have called practically every week after a deferment option for the XX/XX/XXXX payment. I was told to call on the XXXX or XXXX and since I had at least XXXX pymnts, no nsfs, no prior extension, I could then be submitted. I called yesterday, XX/XX/03, I was told I do not qualify for an extension. I asked if I had to wait until tomorrow, I was advised I could try but an extension is on a case by case basis per account. I asked again for minimum criteria : hardship, at least XXXX paymdnts made, and no nsf. Looks like I meet the criteria. The person told me that the company usually prefers the consumer to be at least 60 days past due. I again asked for the extension/deferment criteria, which I show I meet. 

It I called back today, account XXXX  day past due, was told that I have to have dire need. What?!? I had to pay for an AC unit, Im sorry that im not XXXX. I am asking for assistance eyrh deferring 1 monthly payment and/or the qualifications in writing for extension eligibility. Something should be easily shared with a consumer or regulator. 

Please have someone contact me by phone or email to discuss deferment options.

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 2024-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
I received a {$70.00} prepaid visa debit card by prepaiddigitalsolutionsXXXX but I was unable to use the card ( transaction declined, website asking me to contact customer service ). 

I called XXXX printed on the card, was told my card was blocked for security reasons, and they refused to remove the security block unless I provide information that was never used in opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This account is a joint account between me and my nephew, where he manages my bill payments. Around the beginning of XXXX, my nephew received emails about my XXXX being closed and the phone number being gone. A few hours later, he said he could not manage the account or access it. He called Bank of America and found out the account was frozen. They called him back and found that they found an unusual transaction that they detected was a fraud. I checked my bank transactions and found nothing out of the ordinary that is considered to be fraud. I dont know if the bank is falsely accusing me. They tried to resolve it by changing the username and password, but I still can not access the funds. I tried to call them multiple times, but they will not give me a proper response about when my funds will be accessible or the account will be unfrozen. Its been almost XXXX months and I have yet to hear back on the status of the account. I had to move my paychecks temporarily to pay my bills and mortgages and the bank was giving me financial stress due to missing out payments.

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 2024-01-04 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: PA

Complaint narrative:
I have inquiries on my credit report. 


I have XXXX Inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: WI

Complaint narrative:
On XX/XX/24, several charges originating in XXXX were attempted on my debit card. I had less than {$5.00} in my account, so most were denied, but the fraudsters kept trying smaller and smaller amounts and got chargers for {$0.00} ( XXXX ) and {$1.00} ( XXXX ) to go through. I contacted the bank to let them know these were fraudulent at XXXX XXXX  on XX/XX/24 and they said they would have to wait for the charges to settle before they could be disputed, but they would send me a new card. 

On XX/XX/24 ( overnight ) more fraudulent charges from XXXX hit my account, but this time there were funds available. Charges for {$0.00}, {$12.00}, {$420.00}, {$12.00}, and {$3.00} hit my account. 

I contacted the bank when I woke up ( approximately XXXX XXXX  ) and they were unhelpful, didn't take any ownership of the fact that a XXXX round of fraud was allowed, and told me it would take up to 90 days for me to get my money back. They kept quoting scripted responses and would not let me talk to a supervisor. Then, around XXXX XXXX, I called and spoke to someone who argued with me on whether or not other banks give provisional credits in this situation ( which I know they do ), wouldn't let me talk to a supervisor, and ( the best part ) told me my card STILL WASN'T CANCELLED. So if there was still money in my account ( I had transferred it all out when I saw the XXXX wave of fraud ) the fraudsters would have been able to continue making charges, even though I had already contacted my bank XXXX! The bank had also charged me {$25.00} for expedited shipping of a new card on XXXX, so I was of course under the impression that the card had been cancelled at that point. They have since refunded the {$25.00}, but I had to fight for that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
My name and addresses are in correct on all three larger Credit bureaus XXXX XXXX and Equifax My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX last XXXX social : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX failed to ensure the accuracy of tenant screening reports and lied to consumer about placing or removing a security freezes on my credit report. i am a victim of XXXX, Experian XXXX XXXX illegal practices,

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Coinbase ( Financial Institution for Crypto Trading Platform ) has the ability to link bank accounts for quick, easy transfer of cash to and from a customer 's bank account and Coinbase. Coinbase previously has my joint account linked for years- no problem. Cash to and from was fine and trading was fine. I tried to link a new joint account of mine and my husbands to Coinbase to continue trading but Coinbase exclusively used the XXXX app to verify bank accounts. After XXXX would not link I contacted Coinbase directly. Coinbase requested documentation- bank statements and checks to verify that I am a joint owner on the account. Coinbase reviewed and agreed that I am an owner to conduct business with the bank account. However, Coinbase refuses to link the accounts saying that they " can not verify '' my account as I am a joint owner and not the first XXXX listed. Under XXXX rules, I am a joint account owner can conduct business with a bank account. I notified them of this error and they still refuse to allow me to utilize my bank account. I am filing this complaint with the CFPB for a change of business practices with Coinbase ( and possibly XXXX for that matter ) and notify of potential discriminatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX : Late payments : XXXX  XXXX day late Comenity Bank XXXX  days late Incorrect Personal information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments : XXXX  XXXX- XXXX  days late Comenity Bank/XXXX XXXX days late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I sold a home at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XX/XX/2023. See attached. The title sent the payoff to the bank XXXX  and it was rejected. See Attached. They have been paid off and have been harrassing the living daylights out of me. I have emailed and spoken to countless people at Newrez and they refuse to ackowledge ANYTHING. 
I am wits end. This is total bullying and harrasement!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
First off they are late or super slow to get info out. I just got a notification saying my loans don't need to be paid back in XXXX That update wasn't on my account before or even yesterday. I made a payment on XXXX which they had troubled accepting. I got an e-mail saying that they had resumed and I owed in XXXX That got to me in XXXX funny how when they need money they sent out the info in a timely manner but when its us not having to pay we get no notification until XXXX  days after it ended? 
If you have a question you have to call because its a XX/XX/XXXX shot that they won't even answer your online questions. I have stuff years ago they never have answered to this day. 
I am part of the PSLF and they refuse to get my account correct. I certified my employment every year from XX/XX/XXXX to current. I am having to fight with them to update the qualifying payments. They corrected XXXX which it took XXXX  years and me bugging them to actually certify. Now for some reason XXXX has been backed out ( wasnt that was before the XXXX " fix '' ). 
I have qualifying payments from a previous employer and they were not on the list for qualifying employers but I could have them look in them if they should be on that list. I haven't heard anything and if they did certify that employer I would be close to being able to close out my loan, which I don't believe that is a coincidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation