vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report late payments on the account listed as XXXX reporting this account late is subjecting me to financial harm. This is against federal law and the consumer agencies know this. They are not permitted to report late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian, & XXXX continue to report late payments on the account listed as XXXX reporting this account late is subjecting me to financial harm. This is against federal law and the consumer agencies know this. They are not permitted to report late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have had an account with Coinbase since XXXX and have deposited around {$11000.00} between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I became aware that Coinbase had restricted my account making it unavailable for me to deposit, buy, sell, or withdraw funds from the account. On XX/XX/XXXX I contacted customer service and was told that they would need to verify my account which would require me to upload my ID, send a live photo of my face ( a selfie ), and answer some questions about how I intended to use the account before they could make my account available for use. At that time, I was assigned a case number. Later in the day on XX/XX/XXXX I uploaded my ID however I was not able to upload a selfie because I could not find instructions on how to do so on the Coinbase App. On XX/XX/XXXX I emailed answers to the questions about how I intended to use the account and called customer service for instructions on how to upload the selfie, at that time I was told that they had received my ID and the answers to the questions, and I didnt need to upload a selfie. They said that my account was now under review and I would receive an email when my account had been verified. On XX/XX/XXXX, having not heard anything I contacted customer service again to find out the status of my account and was told it was still under review. On that call I expressed my frustration with the situation, and I was told by the representative that my case had been escalated. I contacted customer service again on XX/XX/XXXX and was told they have everything they need to verify my account, but I would just have to wait for them to review it. Having reviewed CFPB complaints on Coinbase this seems to be a common issue for users. Coinbase needs to get their verification process corrected and they need to be held accountable for the ridiculous verification process they have in place that keeps account holders locked out of their accounts for weeks and even months AFTER they provide all documentation requested to verify the account. I expect Coinbase to provide a prompt and fair resolution to my issue. For reference the case number given to me by Coinbase is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Demand for Deletion of Inaccurate Information on XXXX XXXX XXXX Account Number XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report by Experian regarding Account Number XXXX with XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified discrepancies that require immediate attention and deletion. 

The inaccurate information pertains to the payment history provided in the table, which inaccurately portrays my payment activity on this account. Despite the account being closed and my consistent, timely payments, it is erroneously listed as a " Collection account/Never late, '' with a past due amount of {$1500.00} as of XX/XX/XXXX. 

I demand that this account be promptly deleted from my credit report due to the inaccurate reporting outlined above. I request written confirmation of the results of your reinvestigation and any updates made to my credit report as a result. 

Thank you for your prompt attention to this matter. I anticipate receiving a response within the prescribed timeframe of 30 days. 

Sincerely, 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 explanation
Consumer complaint received 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hard inquiry on my credit report run by capital one without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX, and Equifax have failed to provide documentation to proof the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
XXXX, Experian, and XXXX have failed to provide documentation to proof the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!

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 2024-04-24 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: 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance to the accepted standard of XXXX XXXX data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( XXXX ) and my updated personal credit report following any correction ( XXXX ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE 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 explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
XXXX XXXXXX/XX/2022 - {$75.00} In accordance with the Fair Credit Reporting Agency, the company listed above has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-24 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: FL

Complaint narrative:
XX/XX/2024 - {$2200.00} The company has deleted this item from XXXX. 

XX/XX/2024 - {$1400.00}. The company has closed this item on XXXX. 

XX/XX/2024 - {$2200.00} is still reporting on Equifax and XXXX XX/XX/2024- {$1400.00} is still reporting on XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
XX/XX/2024 - {$2200.00} The company has deleted this item from Experian. 

XX/XX/2024 - {$1400.00}. The company has closed this item on XXXX. 

XX/XX/2024 - {$2200.00} is still reporting on XXXX and XXXX XX/XX/2024- {$1400.00} is still reporting on Experian, XXXX and 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 2024-04-24 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: TX

Complaint narrative:
I sent letters to the following entities to request removal of these unauthorized and unverified inquiries reflecting on my credit report for Transunion. These hard inquiries are preventing me from being eligible to become a homeowner. 

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

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I order all withheld credits released and to be applied. how am i supposed to pay a debt with a debt XXXX  XXXX. No concent given to sell share or evaluate my credit worhiness only GOD may judge me i dont believe transunion or XXXX or XXXX are qualified and all debts public and private are responsability of The United states of America and I am not a fiction but a XXXX XXXX XXXX XXXX XXXX and not lost at sea and one who signed up for the draft and pleged my allegiance to XXXX and my fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our ideals and constitution and i have a god given right to obtain credit as im at age of Majority and of a sound mind

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 2024-04-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-24 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: NJ

Complaint narrative:
FCRA 605B might necessitate the removal of any incorrect accounts from my credit report. Could you review the documents? Some listed accounts are inaccurate in their reporting, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received text messages regarding payment. 
I have opted out previously but this year the text messages have started back up. 
I opted out on XX/XX/24, XX/XX/24 and again on XX/XX/24 I called the company on XX/XX/24, spoke with XXXX who stated she does not have a ID number and that she is the only XXXX. She stated that she shows that I am opted in for text. I advised I have opted out multiple times and continue to receive messages. I asked for a correspondence address she stated they can only note my file and that there is no address. I re-confirmed that they was no address for me to send correspondence, she stated no. She then asked when I would be making a payment. I advised that I sent an email back to the company advising when the payment would be made. I am being harmed by being annoyed and this is an invasion of my privacy among other things.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report listed on the account XXXX. There are late payments that should not be reported to my consumer file. Each consumer agency is required to send out a notice prior to reporting any such information. Are the consumer agencies exempt from federal law? 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief