vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My only checking account was hacked on XXXX, this was with XXXX. I proceeded to call all creditors that I make payments to let them know the situation. I updated my information with Care Credit when I had a new bank account, but the first payment attempted to. They are stating that the bank account information was not correct because it was missing XXXX XXXX at the beginning of the account number. I entered the exact account number from XXXX XXXX, my new bank account. When I learned that the payments were sent back I called and spoke to someone on the phone. I made a manual payment that went through. Then the auto pay was rejected stating the bank account was invalid. I called and spoke to someone and they set the autodraft up again and that was input incorrectly or had issues with the bank info. They have now closed my account because of the rejected payments. Most of this was through no fault of my own other than a possible clerical error.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 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: FL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX  - The following personal information is incorrect- This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - The following personal information is incorrect- This employer information does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Starting XXXX first through the third of 2025 is when most of the activity happened. The majority of the incidents happened Sunday the second between XXXX XXXX and XXXX. I was trading cryptocurrency with my cell phone on the Coinbase retail app. I had been experimenting with using the price difference between coins to try and create sort of a hedge fund to buffer against fluctuations in the volatile crypto market as it rises. I was having limited success, then the market started crashing rapidly. In an effort to save my money I tried the hedge fund technique to catch prices going down. It worked to the point of causing a cascading, runaway effect that was easy to maintain. I could have harvested hundreds of millions, but I stopped after tens of millions because it occurred to me that Coinbase would try not to pay me such astronomical sums. They did worse. Right in front of my eyes the numbers morphed in to multiples that converted a roughly XXXX XXXX into XXXX dollar of XXXX Obviously alarmed, I called customer service only to be told the data was correct and there is nothing they could do to investigate. In subsequent calls I got them to say they are investigating, but they keep encouraging me to unlock my account and start trading with a completely compromised account, thus proving they arent doing a serious investigation and want me to accept the fraudulent conversions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westcreek Financial
State: MI

Complaint narrative:
XXXX is violating my consumer rights. They are fraudulently letting WC/KOALAFI management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my XXXX of XXXX website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and XXXX to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS. I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that WC/KOALAFI isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that WC/KOALAFI pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint and Dispute Regarding Civil Liability Due to Negligence and Non-Compliance Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against AMERICAN COLLECTION SERVICE for negligence and non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). This company has failed to fulfill its legal obligations, resulting in unjust liability, financial harm, and consumer rights violations. 

Nature of the Dispute : Company Name : AMERICAN COLLECTION SERV Account or Reference Number : XXXX Summary of the Issue : False credit reporting/incorrect Steps Taken : I have formally disputed this issue with the company, but they have failed to properly investigate, correct errors, or provide verification within the legally required timeframe. 

Legal Violations : 1. 15 U.S.C. 1681s-2 ( FCRA - Responsibilities of Furnishers ) The company has reported inaccurate, misleading, or unverifiable information in violation of this law. 
2. 15 U.S.C. 1681i ( FCRA - Right to Dispute Inaccurate Information ) I exercised my right to dispute the information, but the company failed to investigate and correct the issue.

3. 15 U.S.C. 1681n & 1681o ( FCRA - Civil Liability for Willful or Negligent Non-Compliance ) Due to their failure to act, I have suffered financial damages, credit harm, and undue stress, making them liable for legal penalties and compensation.

Requested Resolution : I request the CFPB to investigate this matter and enforce compliance by requiring : Immediate correction and removal of inaccurate information Written confirmation of actions taken Possible compensation for damages caused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
I am filing a complaint against Calvary Portfolio Services and XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, Calvary Portfolio Services, acting on behalf of XXXX, has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. Calvary Portfolio Services has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, Calvary Portfolio Services has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXX v. XXXX XXXXXXXX XXXX XXXX ( No. XXXX, XXXX Cir. XXXX ), the court ruled that Calvary Portfolio Services violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXX v. XXXX XXXXXXXX XXXX ( No. XXXX, XXXX Cir. XXXX ), the court found that Calvary Portfolio Services failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX and Calvary Portfolio Services cease all collection efforts and adhere to the arbitration clause outlined in the original contract that was originated by XXXX. I further request that Calvary Portfolio Services be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement. Delete this collection from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Like XXXX or more interest was victim of fraud with a ilegal bet site i did dispute and send paperwork and even police report and now they are returning the temporary credit they gave me back and they are reversal the credit I'm overdraft like {$2000.00} or more

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-05 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: CA

Complaint narrative:
My credit report contains mixed information, showing accounts that are not mine and clearly belong to someone else. These inaccuracies are damaging my credit score, and despite my previous complaints, no corrective action has been taken.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my Experian credit report, and I am done tolerating Experians failure to fix this ongoing error. Despite multiple disputes and more than enough time to correct it, Experian continues to misreport the payment status as " Current, was past due 30 days, '' while XXXX and XXXX accurately reflect " Paid or paying as agreed. '' Experian also falsely marks the payment history as late, despite XXXX showing no late payments. I am tired of Experians repeated negligence and refusal to address these discrepancies, which is a direct violation of federal law. Under 15 USC 1666b ( a ), payments made on time can not be treated as late, but Experian is blatantly disregarding this law. Its failure to ensure accuracy violates 15 USC 1681e ( b ), which requires reasonable procedures to guarantee maximum possible accuracy. Experians refusal to conduct proper investigations as required under 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ) shows a complete lack of accountability. These violations are not only negligent but willful, as defined under 15 USC 1681n, making Experian liable for damages of up to {$1000.00} per violation. Its ongoing noncompliance also makes it responsible for actual damages under 15 USC 1681o. Additionally, Experians failure to comply with 12 U.S.C. 5531, which requires fair, transparent, and thorough dispute handling, further proves its disregard for my rights as a consumer. Experians repeated failures have caused harm to my credit, financial well-being, and emotional health. Enough is enough.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following inquiries XXXX XXXX XX/XX/year> and XXXX XXXX  Inquiry : XX/XX/year> need to be removed from my account immediately per as they are hindering my ability to obtain credit 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ). It establishes the purpose and findings of the FCRA, which governs how consumer credit reports are accessed. The FCRA also promotes the accuracy, fairness, and privacy of personal information collected by credit reporting agencies ( CRAs ).

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX # XXXX 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 any 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 of 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 non-monetary relief