vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, XXXX is lying about doing a proper invistigation.

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 2024-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, XXXX is lying about doing a proper invistigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, XXXX is lying about doing a proper invistigation.

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 2024-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I initially borrowed {$40000.00} of private student loans with Sallie Mae, which were moved to Navient. I now owe {$72000.00} due to interest. I was in payment programs with Navient for about 10 years and have paid {$41000.00} ( I have attached my payment account history for your review ). I understand that these private student loans had a variable rate and will accrue interest. I am wondering if any payments were miscounted or were they botching payment processes. My payment plans would increase every 6 months and they were only costly repayment options causing me to live paycheck to paycheck. These payment plans weren't any assistance at all in helping me to pay off what I owed. Due to me no longer being able to afford the payment of $ XXXX a month and not seeing the balance decreasing it caused me to default on these loans. These loans went through litigation with Navient and I was told they were going to collections. I never received any notice about them being in collections. I called Navient to see about my loans and they stated they were in collections and transferred me. I spoke to a lady who was working out a payment plan for me. I told her I needed to see if I could afford the payment and give her a call back. The next day I called her and she said there was a note in my account that said my loans were no longer with her. Then I received a letter from XXXX XXXX XXXX stating they have my loans. I am now experiencing undue hardship dealing with the stress and anxiety of what these defaulted loans may do or how it could impact my family with a possible lawsuit. I am a mother raising XXXX kids, paying other bills and debt, also my vehicle is broken down so I don't have a car and I'm currently suffering from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
The company keeps reporting on my credit the account is closed the dates they cant report on my credit report and the account is closed also the dates the account was opened are different the dates the account was last active is different please remove this from my credit

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 2024-11-20 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: ID Analytics, Inc.
State: KY

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

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. 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 XXXXhas violated my rights. 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 2024-11-20 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: FL

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. 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 XXXXhas violated my rights. 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX  XXXX - {$4400.00} XXXX  XXXX - XXXX - {$510.00} Name : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. Fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following fraudulent items from my credit file 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 XXXXXX/XX/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 2024-11-20 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear Sir or Madam, After months of back and forth with Citi Bank, I was able to verify my identity with the fraud department on XXXX XX/XX/2024. I was told by XXXX XXXX that my account was set for closure and within XXXX days I would receive a check in the mail of the balance in my closed account. I waited patiently and called today, XXXX XX/XX/2024, and spoke to XXXX XXXX. She refused to verify me with my phone number, a number that was issued by XXXX and not a temporary phone number. She asked me some questions and managed to get around the text confirmation. XXXX XXXX told me she has no clue why I was not issued a check and, at first, offered to call me back, but then refused to use my phone number. So, she told me to call back in XXXX hours. If I had not called, I would never had heard anything from Citi Bank. They had told me a month ago they would contact me by letter, but never did.

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: TN

Complaint narrative:
Contacted mortgage servicer requested mortgage assistance XXXX until present. 
Requested financial information application mortgage assistance was sent to them several times. On my follow up with the servicer they always say they did not receive requested document. I have my conformation of when requested documents are received by them. I am being misled by customer service, my mortgage Servicer is intentionally not assisting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX Attempted to refinance my car loan and was advised XXXX XXXX has been reporting my account as Closed to all three credit bureaus. 

XX/XX/XXXX Spoke to XXXX XXXX and they advised that is what automatically happens when the call is included in a XXXX  ( even after it is XXXX ). I asked to start a dispute to have it corrected and was told it was faster to report it to 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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I have an account with Coinbase.com. Recently, I tried logging into my account, entered the XXXX code generated by my authenticator app, and was then prompted to verify my identity. Following the instructions on their website, I submitted photos of my drivers license and a short video. Despite completing the process, the verification failed. I repeated this process multiple times, and each time, I was informed that the verification failed again. 

I called XXXX customer service helpline for assistance. The customer service associate ( XXXX  ) placed me on long holds several times, claiming each time that the team was working on the issue. I was instructed to change my password, which I did, and the XXXX assured me that my identity had been manually verified by their team and that I would now be able to log in. However, when I attempted to log in again, I was met with an error stating that I had attempted to verify my identity too many times and needed to try again in a few minutes. 

I requested that the case be escalated, but the XXXX informed me that it can not be escalated. When I asked to speak with a supervisor, the XXXX refused to connect me to XXXX or provide further details on why the verification had failed. After waiting approximately XXXX minutes, I tried again and received the same error message : try again in a few minutes. When I asked the XXXX  what the duration of a few minutes actually meant, I was told there was no defined timeline and to simply keep trying. This response was vague and unhelpful. 

The XXXX  also requested that I provide photos of my immigration and travel documents instead of my government-issued drivers license, which I declined to do due to privacy concerns, especially given Coinbases repeated failure to verify my identity. When I expressed frustration over being unable to access my account or funds, the XXXX went as far as to threaten to cancel my account. The call lasted over XXXX minutes, during which I received no clarity on why the verification failed, no resolution to my issue, and no escalation of my case to a supervisor or anyone who could assist further. However, I was threatened with cancellation of my account and the potential confiscation of my funds. 

After waiting nearly XXXX hours, I attempted to log in again multiple times, only to experience the same errors, despite being told that the issue had been resolved. Coinbase has not reached out to me with any updates, and no further attempts to resolve this issue have been made. My funds remain inaccessible, and I am left in a state of complete frustration and helplessness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The account is from XX/XX/year> According to the FCRA, XXXX ( a ) ( XXXX ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX years. Given that the XXXX was XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 

This account has been repeatedly reported without proper validation. According to FCRA XXXX ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly. 

The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.

Company response to consumer: Closed with explanation