vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have asked XXXX to correct my public record showing XXXX XXXX which was filed XX/XX/2023 and discharged XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have asked XXXX to correct my public record showing XXXX XXXX which was filed XX/XX/2023 and discharged XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from Experian, XXXX, XXXX that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
hi, i reached out to coinbase, couple of weeks ago and yesterday, but coinbase can not assist me, with my complaint to them, how i wish this coinbase platform be more regulated and whoever use it will be more transparent and they can trace who is using it. because coinbase is a hub for scammers. since this is publict traded stock, i thught it was safe to use. I was WRONG. coinbase know my incident and reported this to fbi. 

i am a victim of scammer, and used coinbase to transfer money to his BTC wallet. The scammer was impostor of XXXX ( there is real XXXX XXXX ) just discovered later in XXXX, but money was transferred already. Coinbase unable to reverse transactions. due to fear i closed my coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023 I received a receipt from Venmo for a payment to XXXX for {$96.00}. I did not make this payment ( and couldnt, Im actually traveling in XXXX ) so I filed a dispute. They denied my dispute, saying it was consistent with my transaction history despite not using Venmo to pay for XXXX for over a year and never for more than ~ {$30.00}. They provided no details despite my repeated requests. I filed a second dispute and they denied it again, for the same reason. I have been unable to get anyone to share their methods for denying this dispute, whether or not they contacted the vendor, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
I wanted to pay my loan and renew it and I asked three times will I be able to get the money I need and the so call manager that was there told me yes. So I paid and renew my loan and there was no money there which I needed as soon as possible and I call back and ask can they just not renew it and just put it as a payment they say yes. So next thing I see they refunded the money back and tell me I'm on the repo list and charged me more than what my payment was suppose to be. They got nasty over the phone and I'm not the one to go back and forth so I hang up. Also when you sign up for a loan instead of the customer seeing how the service work and giving they honest opinion they ask you to go rate them and give them 5 stars. This is my second time dealing with them because I really didn't have a problem in the beginning but now this time they just doing too much with these high payments and don't try to work with you and the interest rates are ridiculous. I can't include dates because I just went on my portal and I see no payment history like what is wrong with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I found out that my credit card was seized by XXXX XXXX XXXX without my consent by my credit card agency when I called them. XXXX XXXX XXXX was unable to provide any assistance in the matter or clarify how to fix the problem. When asked, they were unable to provide a supervisor name or authorized staff to assist with removing my account from the person who stole my add information.

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 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have attached an affidavit detailing my statement on this matter as well as a screenshot of my cell phone showing I never received a wire confirmation. 
It is abundantly clear that someone hacked the credentials to my account, logged in, updated the contact information, and executed a wire without my knowledge. This should not have been possible if Chase had adequately secured my account. 
I reject the decision that I executed this wire and received " goods or services '' in return. I demand this case be reconsidered and my money returned to my account. I do not understand how you can assert I received goods or services and yet not provide any proof to that effect. I also do not understand how someone was able to change my contact phone number for wire/fraud authorization/notifications without the number on file being notified, this is unacceptable and a failure by Chase to protect my account. 
As stated above, I demand this case be reopened and reconsidered with the additional affidavit and screenshot provided. I have been a client of Chase for many years, and I expect this to be resolved in a satisfactory manner. I will not hesitate to consult counsel on this matter if Chase fails to perform its duties as required by law. 


Thank you, XXXX XXXX AFFIDAVIT The State of New York County of XXXX ) S.S. 
) I, XXXX XXXX, of XXXX XXXX, New York, MAKE OATH AND SAY THAT : 1. I never authorized a wire on XX/XX/2023 for {$4900.00}. 

2. When I saw the pending debit in my account at XXXX on XX/XX/2023, I immediately called Chase Claims Department to dispute the wire transaction. 
3. I was advised by Chase Claims Department that a wire confirmation message from chase was sent to XXXX at XXXX XXXX on XX/XX/2023. 
4. I was advised by Chase Claims Department that just prior to the wire being sent, the phone number on my account was updated to XXXX. 
5. I did not authorize Chase to add number XXXX to my account. 

6. I was not notified that Chase changed the phone number on file for my account to XXXX. 
7. Neither myself, nor anyone affiliated with or known by myself, is connected to or has knowledge of the phone number XXXX XXXX. 
8. I did not place this wire transfer request, nor did I receive any goods or services in relation to this wire transfer, and I had know knowledge of this transfer prior to XXXX on XX/XX/2023. 
9. I am attaching a screenshot of my cell phone message log showing that no message was received on my phone at XXXX on XX/XX/2023. This cell phone number of the phone this screenshot was taken is XXXX. 
10. I have had only one cell phone number, XXXX, for many years and have not changed this number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Zions debt holdings contacted me text on XX/XX/XXXX at XXXX EDT. I responded " stop '' in order to unsubscribe. On XX/XX/XXXX at XXXX I received another text regarding the same debt. 

They then proceeded to email me on XX/XX/XXXX at XXXX. When I asked for a breakdown of the total debt, they replied it consisted of a principal balance of {$47.00}, late fee of {$60.00}, and interest of {$14.00}. I requested a copy of my original contract as well, which upon review did not specify a {$60.00} late fee. These initial emails were with an individual named XXXX XXXX. He requested I email XXXX XXXX for further information. 

My initial email to XXXX was XX/XX/XXXX at XXXX, asking for validation of the debt. XXXX responded at XXXX starting she " will follow up with further documentation to validate the debt ''. 

I called XXXX, the original debtor ( my original contract was with XXXX XXXX XXXX, who sold my home security contract to XXXX ), on XX/XX/XXXX to request my signed cancellation letter. They informed me I would have to retrieve it from the debt collector directly. 

On XX/XX/XXXX, after having not received a response from XXXX, I requested confirmation it will not be reported as it was not validated. XXXX responded it will be validated by Friday, XXXX, when it was scheduled to be reported to the credit bureaus. 

Over a series of emails on XX/XX/XXXX between XXXX and XXXX, I requested all documentation supporting the debt be provided. XXXX insisted I had received them all without specifically noting what was sent or when. Additionally, when I asked about the {$60.00} fee which was not allowed per the contract, XXXX stated : " Also, the {$60.00} is what our agency adds to collect on the bill. '' Accordingly, Zions Debt Holdings is attempting to add fees that are not allowable per my original contract. 

At XXXX, XXXX wrote : " This is my last email to you. we have validated your debt. If you are asking what documents I have sent, I suggest re reading the paperwork. Have a good night '' ( punctuation as per the original email ) I still do not have full records to validate the debt. 

I contacted XXXX directly on XX/XX/XXXX via text, and they stated the pro rated bill after my cancelation effective XX/XX/XXXX for the period XXXX was for {$2.00}. They stated a late fee was applied to bring the total balance to {$47.00}. Again, my original contract did not specify a late fee could be charged. Additionally, all payments were to remain on autopay during the term of the agreement. I have record of timely payments for each month of my contract from XX/XX/XXXX through XX/XX/XXXX. I have not been able to get a copy of the original invoice for the {$2.00}. 

I've attached records of both email chains, a screenshot of the text with Zions Debt Holdings, and my original contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have disputed this debt for years. It has now been over 7 years, and has been removed from my credit record. I never owed this debt, and they NEVER sent the legally required debt validation with my signature on any contracts, nor id verification. Nor could they, as I never had business with them. Now, over seven years later, with no legal claim to any debt, they illegally robocall my phone, often 5-6 times in rapid succession, and often more than 30 times per week. It will stop, or i will be suing them. Any continued communication from XXXX or any of its affiliates constitutes harassment. They have no reason to call me, and it WILL stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called on XX/XX/23 to see what Capital 1 could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and Capital 1 did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I was going through a divorce and I believe this account was opened by them. I had become aware of this account in 2018 at which time I had become aware it was closed and charged off. At that time, I disputed the charges and the validity of the account. Recently, while trying to purchase a vehicle I became aware that I had an opened late pay debt which was surprising to me as I had no contact from anyone. After further research I discovered LVNV LLC had reopened this closed charged off debt that was previously disputed as not being mine. Mind you, there has been no contact from them. I immediately sent them a certified letter requesting documentation asking to supply the information below so that I can be fully informed about the alleged debt pursuant to the Fair Debt Collection Practices Act : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used.

A copy of the original contract or other agreement.

Evidence that I was the one who opened said account and it was not opened fraudulently.

The name of any other person that is or was required to pay the alleged debt.

The amount and age of the debt, including : Proof I owe the debt. 
Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 

Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
A calculation of whether the statute of limitations has expired for collecting the debt. 
( Virginia Statute Code : 8.01-246 ). 
The last action taken of the action. 

Details about your authority to collect this debt, including : Proof of your ownership of the account. 
Provide the number of any license to collect debt in Virginia and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.

Company response to consumer: Closed with explanation