vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX in XXXX for {$50.00} for service on XX/XX/XXXX. I looked at my XXXX XXXX XXXX and it stated I owed {$8.00} which I paid at the time of the visit. I called the billing department at XXXX and a representative told me I owed the money. I explained I was looking at the XXXX XXXX XXXX. She said she didn't care, and to send the copy of the XXXX. I sent the copy and received another bill for {$50.00}. My debt was turned over to Continental Credit Control, a collection agency. I called XXXXXXXX XXXX and the representative spoke with XXXX billing to tell them that the {$50.00} was not owed. The representative from XXXX billing told XXXX XXXX that they would recall the debt and it would take 45 days. I do not have names or dates for this part as I was told by Continental Credit on XX/XX/XXXX that there was no debt. On XX/XX/XXXX I received an email from Continental Credit saying I owed {$50.00}. XXXX cents for penalty. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX billing and asked her why the debt had been re-issued. She told me the debt was cancelled on XX/XX/XXXX at XXXXXXXX XXXX and then re-issued at XXXX XXXX. the same day. XXXX said she would reach out to my insurance company XXXX XXXX to try and resolve the problem. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX who reached out to XXXX XXXX billing. According to XXXX at XXXX there is no debt in collections per the billing department. Reference # XXXX. On XX/XX/XXXX I called XXXX XXXX to confirm the debt had been removed and spoke with XXXX. XXXX told me I still owed the debt and transferred me to XXXX. XXXX told me there was a charge back. I asked her to explain and she mumbled something. When I told her I could not understand what she said, I asked for a supervisor. XXXX told me there was no one else I could speak with. I hung up. We are currently at an impass. I contacted Continental Credit to dispute the amount and gave them a copy of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I have funds in coinbase wallet app. on phone. I can not withdraw funds and send to my bank. Ive Tried every step that they have given me to no success. you cant reach them by phone only AI online for questions. I can access my wallet and see the funds there. and all the activty when it was deposited. but cant withdraw. home office is in XXXX  NY. The funds were deposited on XXXX XXXX XXXX XXXXXXXX. I have the transaction hash and the time stamp.I am on my lap top all the info is on my phone if you want screen shots please email me and i will reply on my phone and can send photos of what you need. Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-20 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Jefferson Capital System LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
I discovered an error on my credit report stating that I owe {$310.00} to a company called Advance America. I have no knowledge of this account and have no dealings with this company. I contacted them through their website, requesting detailed information about the account and asking for its removal. However, they have not responded to my requests in any way. Since this account is not mine and they are unresponsive, I am requesting that this erroneous item be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I processed a credit card payment in the amount of {$1300.00} through a third-party processor on XX/XX/XXXX. The third-party processor credited my paypal account the same day. XXXX subsequently withheld {$980.00} of the funds. As of XX/XX/XXXX, they still have not released the funds which is well beyond Reg CC legal timeframe. Is there some reason that Paypal is not required to comply with federal regulations? The details of the transaction are as follows : XX/XX/XXXX at XXXX XXXX  CST Transaction type PayPal XXXX XXXX ID XXXX Gross amount {$1300.00} USD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against TransUnion for inaccurately reporting a disputed debt from XXXX XXXX XXXX ( XXXX ) for {$800.00}. The credit bureau has violated the Fair Credit Reporting Act ( FCRA ) by failing to ensure accurate and fair reporting of this account. 
Violations : Failure to Update Dispute Status : * The account is reported as " not disputed '' on TransUnion, even though I formally disputed this debt. 
* The failure to update the account 's status violates the FCRA 's requirement to maintain accurate and complete information. 
Inconsistent and Inaccurate Reporting : * The account is reported as " XXXX XXXX '' ', yet its status varies between " Open '' and " Closed '' across the bureaus. 
* TransUnion has failed to properly investigate or validate this debt despite my formal dispute. 

This inaccurate and incomplete reporting has caused significant harm, including : Damage to my credit score, affecting my ability to qualify for a mortgage or secure credit with favorable terms. 
Emotional and financial stress due to the ongoing inaccurate reporting.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Did a deposit through banking app on XX/XX/XXXX, called on the XXXX to see why it was on hold, they said if it doesn't go through by the XXXX, they were closing the account. 

Despite the ETA of XXXX for the closed account, they didn't close it until XX/XX/XXXX, per my conversation on the XXXX. Rep said they would I should RECEIVE the check and closing statement on the XXXX. 

I called today the XXXX and they said they SENT the check on the XXXX, did not overnight per my request, and said 5-7 business days.

I understand that I moved to Texas and this is a Michigan bank. I understand that the likely reason is due to acct inactivity. What I don't understand is if they knew they were going to close the account by the XXXX, why am I not receiving the check until a month later? 

Personally, this was a gift from my mother to pay my first months rent after recently being homeless. If I didn't pull strings, I would have been evicted. 

It's cruel to hold on to someone's money unnecessarily. They knew they were going to close the account, they should have never accepted the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a serious complaint regarding the unreasonable restriction placed on my SOFI bank account, which has caused me significant financial and emotional distress. 

On XX/XX/XXXX and XXXX, I made a total payment of {$5300.00} via XXXX for the purchase of a Persian cat as a XXXX gift for my girlfriend, as we plan to raise this pet together. The payment was made to a legitimate vendor ( XXXX XXXX XXXX  ) with whom we have a signed contract. However, SOFI flagged this transaction as " suspicious '' and restricted my account. 

Since then, I have called SOFIs customer service ( XXXX ) numerous times over the past XXXX days, explaining that the purchase was legitimate and authorized by me. Despite providing all requested documentation and clarifying the nature of the transaction, SOFI has refused to resolve the matter or provide any clear timeline for when my account will be restored.

This unjustified restriction has caused me severe disruptions : Credit Card Payments : My SOFI account is used for credit card autopayments. Due to the restriction, my credit card companies can not process payments, which could lead to unnecessary interest charges and damage to my credit score.

Access to Funds : Most of my money is in my SOFI account, leaving me unable to transfer sufficient funds to other banks to cover my credit card debt.

Salary Deposit : My SOFI account is set up to receive my salary via direct deposit. With the account restricted, I can not even access my own earnings.

The response from SOFIs customer service has been utterly unprofessional and unhelpful. Representatives have displayed arrogance, refused to provide detailed reasons for the restriction, and denied me any escalation path or timeline for resolution.

I am a law-abiding citizen who works hard to make an honest living. SOFIs unreasonable actions are not only causing me significant financial harm but are also ruining my holiday season. To make matters worse, upon researching this issue online, I discovered that many others have suffered from similar account restrictions and poor treatment from SOFI.

I am reaching out to seek assistance in holding SOFI accountable for this situation. As a customer, I deserve transparency, prompt resolution, and professional service. I urge SOFI to restore my account immediately and to take steps to address the financial damages caused by this restriction. 

I hope the relevant authorities will look into SOFIs practices to ensure that customers are treated fairly and lawfully. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX / XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-20 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On or about XXXXXXXX XXXX on Monday, XXXX, I received a call on my cell from Navy Federal Credit Union. I was at work but saw that it was my bank, so I answered. The person said that he was calling from Navy Federal Credit Union and asked if I had charged an amount to my debit card from a business in California. I told him that I had not made the purchase, and he said he would remove the amount. He asked me to go to my checking account to confirm that I was the owner. He then asked if I had XXXX XXXX because he could help me secure that account. I said yes and he asked me to go to the account so he could give me instructions. He said he was doing something on his end and needed to facetime me. After he was done, he asked me to try to transfer funds just to see if what he had done was working. I transferred {$10.00} and told him that it worked. He then said it wasn't working on his end and asked me to transfer {$410.00}. I did that and my cell phone went out completely. I was unable to start my cell for about XXXX hours. Once I was able to power on, the phone had been wiped clean of all my data. It was as if I had just purchased the phone, so I had to reset it. I immediately called Navy Federal Credit Union to make the report. I was told that they would give me a provisional {$410.00} until the investigation was completed. The next day, Tuesday morning I received another call from Navy Federal Credit Union, so I answered. It was the same person asking the same questions as he did when he called the day before. I asked him if he had called me " yesterday '' and he hung up. I immediately called Navy Federal Credit Union to report that I had received another call from the same person from the bank and to note this call on my account. After Navy Federal Credit Union had completed the investigation, they deducted {$410.00} from my account indicating that they had not done anything wrong. I wrote them a letter indicating that I felt like the victim of the fraudster and Navy Federal Credit Union as well. However, they never responded to my letter.

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