vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: MD

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report 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 ) states : 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 explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have several charges on my credit card I did not make. These transaction happened in the XXXX of XXXX. I call the credit card company and told them which charges were fraudulent charges made to my account. They are currently investigating the situations and I'm filing this as recommeded by every entity that has advise on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
I do not have a contract with First National Collection Bureau Inc and I do not owe any debt listed with this company, please delete this debt from XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am formally requesting that all items on my credit reports be updated to reflect " paid as agreed. '' In addition, I am seeking compensation from each credit bureau in the form of a check XXXX. ) XXXX - {$11000.00}, XXXX. ) XXXX {$11000.00} and XXXX. ) EQUIFAX - {$11.00}, XXXX for each of these inaacurate accounts pursuant to ( 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am formally requesting that all items on my credit reports be updated to reflect " paid as agreed. '' In addition, I am seeking compensation from each credit bureau in the form of a check XXXX. ) XXXX - {$11000.00}, XXXX. ) EXPERIAN- {$11000.00} and XXXX. ) XXXX - {$11.00}, XXXX for each of these inaacurate accounts pursuant to ( 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. )

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 2024-06-15 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: IL

Complaint narrative:
On XX/XX/XXXX, I updated my online account with my current banking information and set up auto pay to deduct my minimum payment on the due date. The company removed my auto pay, failed to deduct my minimum payment and reported the account 30 days late on my credit reports. The company ( XXXX ) never contacted me to notify me of the removal of my auto pay or to inform me that the account payment was never received. On XX/XX/XXXX, I spoke with a rep named XXXX and she confirmed that the banking account number was accurate and could not provide an explanation of why my auto pay was removed and I was never contacted. I am in the process of trying to secure a XXXX XXXX  and the recent 30 day mark on my credit report could potentially cause me to be homeless. I would like XXXX to reverse the 30 day mark from all major credit bureaus and compensate me for the undue hardship caused by their unfair practices.

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 2024-06-15 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: TN

Complaint narrative:
I made a payment to XXXX XXXX  on Friday XX/XX/year> in the amount of {$790.00}. They are reporting on my Experian and XXXX reports that I did not make the payment.

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 2024-06-15 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:
I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-15 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:
I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-15 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: IL

Complaint narrative:
I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on XXXX but shows 30 days late on Equifax ) XX/XX/year> ( shows okay on XXXX but shows 30 days late on Equifax ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCD Financial, LLC
State: OH

Complaint narrative:
I mailed NCD Financial LLC several letters since last year asking for debt verification. I do not remember opening this account and wanted to see written proof. The refuse to send anything back to me in the mail but continue to update on my credit report as late and open and its been years like this. Nobody responds or send me anything in the mail back with verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
CFPB capped late fees at up to {$8.00} dollars, American Express late fee is 100 %, I have {$16.00} dollars transaction on XX/XX/XXXX, due to pay on XX/XX/XXXX, then I see a late fee on XX/XX/XXXX is {$16.00} dollars, that 100 % late fee. Amex violated to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: KY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft, the account in question ( XXXX XXXX XXXX XXXX XXXX ... XXXX ) was removed and now it is showing on my credit report again. The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report, Experian has disregarded this 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 2024-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I assumed a VA mortgage from Freedom Mortgage in XX/XX/year>. They have not provided a single statement via an online portal or email since. They claim that they are unable to allow me to create an online account due to it being an assumption, and that they would send me an email each month with my statement. This has never happened. Of course, Freedom Mortgage has no problem sending marketing emails I didn't sign up for to the address they can't send a statement to. 

We have been forced to make monthly payments over the phone without ever seeing an actual statement. The amounts on the phone statement vary month to month, and are higher than the monthly payment quoted in our closing documentation. I am concerned I am being overcharged / am paying hidden fees I can't see, since Freedom Mortgage will not provide me with monthly statements.

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 2024-06-15 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: GA

Complaint narrative:
experian has been notified since XXXX that my XXXX account is closed no longer authorized user and they keep it live with no documentation re : no longer authorized user.

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 2024-06-15 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: MI

Complaint narrative:
THESE COMPANIES NEED TO REMOVE THIS OFF MY REPORT PURSUANT TO 15 USC 682 AND 15 USC 6801

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OLIPHANT FINANCIAL, LLC
State: WV

Complaint narrative:
XXXX XXXX XXXX, AT XXXX XXXX, XXXX XXXX IN XXXX, FL XXXX, REPORTED A DEBT OF {$1800.00}, TO XXXX XXXX ON XX/XX/year>, THIS DEBT IS NOT MINE, I INFORMED ''OLIPHANT '', SEVERAL TIME, XXXX ASKED TO PROVIDE ME VERIFICATION AND DOCUMENTATION OF THE DEBT, ALSO TO PROVIDE ME WITH A COPY OF THE LAST BILLING STATEMENT SENT TO ME BY THE ORIGINAL CREDITOR,,,,, THE FAIR CREDIT REPORTING ACT GIVE ME THE RIGHTS TO OBTAIN WHAT I REQUESTED,,, XXXX NEVER REPLIED TO MY REQUESTS, ALSO I DISPUTE WITH XXXX XXXX '', THEIR INVESTIGATION WAS INACCURATE NEVER ASKED ''OLIPHANT XXXX XXXX '' DOCUMANTION THAT WAS REQUESTED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CITIBANK, N.A.
State: MI

Complaint narrative:
COMPANIES ARE ON MY HARD INQUIRES I NEVER EVEN ASKED FOR THEM TO RUN MY CREDIT. ALSO I HAD NUMEROUS NAMES REMOVED AND NUMEROUS ADDRESSES REMOVED THAT I NEVER LIVED AT, SO PURSUANT 15 USC 16816.

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 2024-06-15 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: VA

Complaint narrative:
Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called Experian and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job

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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Obtained call from debt collector about wives defaulted debt asked to stop calling and they called 15 minutes later from another number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: KY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: KY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/2024 I made a purchase transaction on the Coinbase platform for the digital asset XXXX. I have used Coinbase in the past and my bank information had been previously validated. Coinbase informed me that transfer of the XXXX would be restricted until XX/XX/2024 which made sense as they required the funds to settle form the XXXX transaction with my verified bank account. As I waited for XX/XX/XXXX, I received an e-mail from Coinbase on XX/XX/2024 indicating Coinbase observed suspicious activity on my account and were freezing my assets until XX/XX/2024. Specifically, " Based on this monitoring, we are concerned you XXXX have sent, or are trying to send, crypto to a fraudulent person or platform. '' However, the only transaction or attempted transaction has been to purchase the XXXX assets ; no attempts to transfer off their platform. 

I contacted Coinbase who would offer no explanation why the assets were frozen other than it was " for my protection ''. They stated I could sell the assets and transfer to my registered bank, but no method for me to transfer the assets of their platform until XX/XX/2024. I asked for the process for escalation and review and they said there was none. 

I understand their desire to protect against fraud, but I assured them that this was not fraudulent activity. They did not offer any process or method other than to wait until XX/XX/2024 to transfer. I generally do not trust my digital assets on brokerages and store them on an offline hardware wallet that I maintain and control. I am appalled that a brokerage can freeze my assets, effectively holding them hostage, while offering no escalation or resolution other than " just wait until XX/XX/XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on XXXX but shows 30 days late on XXXX ) XX/XX/year> ( shows okay on XXXX but shows 30 days late on XXXX ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.

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