vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I received an email from a MRS BPO LLC on Friday XX/XX/XXXX of 2024, I will attach screenshots, of some debt I supposedly owe to XXXX, which I already just filed a complaint against XXXX too on here thru CFPB. 

First off I do not owe XXXX anything, I switched cell phone providers last year in XXXX, so I did not use their services And second how is this company going to contact me to collect on some debt I dont even owe that XXXX has already had reported to the credit bureaus on my credit file!? 

This company needs to cease & desist any & all forms of communication with me now

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Kikoff Inc.
State: FL

Complaint narrative:
Kikoff was a lender I partnered with. I was very pleased with there services. i made a error by deleting the subscription. My intentions were to pause the subcription. When I found out what happened. I applied and was denied. I explained to kikoff but got no help in getting access to the platform. All I want is to be able to use the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from the Compliance Department of Coinbase requesting information such as my passport, photo identification, address, etc., for a security and compliance review. I submitted all the requested documentation on the same day. Subsequently, in XXXX, they requested additional information, and by XXXX, my account had been deactivated. Consequently, I am unable to buy or sell my crypto assets or link my Coinbase account with my bank account, effectively leaving me unable to access my funds. 

On Monday, XX/XX/XXXX, after waiting on hold for an hour and thirty-five minutes, I spoke to a customer service representative who was very helpful and explained my entire situation. I was provided with the reference number XXXX and was assured that my account would be reactivated soon. However, this issue has been ongoing since last month, and I have a significant amount of money in my Coinbase Wallet that I am unable to access. Despite sending several emails, I have not received any response. The service for my account is restricted, and I am at a loss on how to have it reinstated. I am unsure of what steps to take next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I already tried to dispute in XXXX XXXX and it was not accepted. I am receiving debt from my mother who lived at XXXX XXXX XXXX XXXX in XXXX, fl. I have not lived there since I was XXXX or XXXX, I am now XXXX and my mom moved out either last year or the end of XXXX. If they think I lives there its because I lived in XXXX  for a few years and when I moved back I didnt know my license could be revoked for not having a fl license. I didnt live with my mom but I also was just staying with friends at the time so she let me get notorized to use her address just so I could get my license back. I am not responsible for her apartment debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After having the same business account with the institution for more than 35 years, an employee received a notice at her home address that the bank has " decided to close the account.. '' When i called the number listed, they refused to say why they decided to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: FL

Complaint narrative:
Troy Capital , LLC a debt collector failed law sue in XXXX XXXX to seek dames in the amount of XXXX. However, XXXX XXXX XXXX , XXXX sold the Vehicle for {$6400.00}. 

I want Troy Capital , LLC. to provide me with written documents to indicate how did they determine a balance was own in the amount of {$3700.00} when XXXX XXXX XXXX , XXXX sold the Vehicle for {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
IM UNAWARE OF THIS DEBT AND DID NOT RECIEVE PROPER NOTIFICATION.IF YOU BELIEVE YOU HAVE SUPPLIED ME WITH THE PROPER NOTIFICATION, PLEASE PROVIDE ME WITH THE CERTIFIED MAIL RECEIPT WITH MNY SIGNATURE THANKS, CREDIT COLLECTION SERV ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-05 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: TX

Complaint narrative:
XXXX! 

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

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 2024-03-05 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:
I, XXXX XXXX never gave XXXX, Experian, or XXXX any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the XXXX data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : 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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Received offer in mail to open new checking and savings accounts at Citizens Bank and follow requirements in order to earn a {$600.00} bonus. I opened both accounts in XXXX of XXXX and was to be paid out on XX/XX/XXXX. I was never paid out and they said it was because I already have an account ( not true, I'm secondary on my mother 's account with them ) and that I don't qualify. The disclosures do not explicitly state this, and say that account had to be within last 6 months and my mother has had hers for over 20 years. They lied and were deceitful. I contacted them and they opened up a complaint and the Office of the chairman contacted me once but I was working so I couldn't answer the phone. I called back within 5 minutes of missing the call and there was no answer. I have left several voicemails and sent emails to follow up and they are ignoring them. This is unacceptable and they owe me {$600.00}. I have attached the offer they mailed me that includes disclosures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Grant & Weber
State: IL

Complaint narrative:
Been dealing with this debt collection company since XXXX or XXXX I believe non stop threats and constant harassment name of the company is the GRANT & WEBER inc

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 2024-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
Pennymac USA administers my VA mortgage for my property in Wisconsin. As the managers of my mortgage in Wisconsin, they agree to to follow my Wisconsin property tax election that " Pennymac will pay the property taxes directly to the tax collector by XX/XX/XXXX. '' On XX/XX/XXXX, Pennymac reported my " property tax payment '' in the amount of {$5800.00}. However, this amount was NOT paid to the tax collector. Instead, they authorized XXXX XXXX, a thrid-party company, to make the payment on their behalf to the XXXX XXXX XXXX property tax collector XXXX Unfortunately, XXXX XXXX did not issue the check until XX/XX/XXXX, which was not received until XX/XX/XXXX. Because of this error, my XXXX XXXX XXXX XXXX XXXX  could not be issued for this year, but will have to wait until the following tax year. Pennymac refuses to give me information to Contact XXXX XXXX or provide and explanation for why my taxes were NOT paid according to my election by the XX/XX/XXXX deadline. They claim the payment was made on XX/XX/XXXX because that's when the funds were taken from my Escrow. Nevertheless, Pennymac did not pay the tax collector directly, they paid XXXX XXXX to do so, and that company failed to do some on time. Who bears the responsibility for this failure to meet the election deadline, and does Pennymac have a contractual obligation to pay the tax collector directly without using a third party? Moreover, can pennymac falsely list on my mortgage statement and 1098 that my taxes were paid in XXXX, when the county rightfully observes that it was not paid until XXXX? Because of their misrepresentation of their process for paying taxes and honoring my election, I am out {$5800.00} plus interest for an entire year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: NV

Complaint narrative:
I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is unable to provide a process by which I am able to submit documents online to correct my first and last name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved. 
1. The experian.com/upload option does not work. The webpage has no elements to interact with as shown in the screenshot. 
2. My credit grantors do have my updated first and last name. My active credit cards are in my correct name as well.

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 2024-03-05 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: GA

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-05 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: NC

Complaint narrative:
There are credit inquiries that I did not recognize

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: OR

Complaint narrative:
My account was hacked and over XXXX $ was stolen I contacted direct express they found me in favor returned XXXX $ but now will not release the XXXX owed to me and every time I call they say they will escalate the situation and nothing happens I've been trying to get this resolved since XX/XX/year> XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was called 6 times yesterday ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), and 2 times today ( XXXX and XXXX ) by Navient. I answered the second call today and stayed on the line for 17 seconds before they disconnected. This happened when they were harassing me in XXXX. Whenever I'd answer, they'd immediately disconnect. I recognize this as a psychological tactic used by corporations to circumvent laws, such as the FDCPA. I have requested all correspondence be transmitted in writing multiple times over the years with the most recent being in XXXX of last year, but they are not honoring this request. The calls are in regard to mismanagement of my payments as I've continued to make payments, but they are claiming they're not receiving them, stating that payment information has changed on their end. As of right now, they are requesting that I send them bank statements with payments to prove that I've been paying, but that request seems unreasonable as that would mean I am servicing my own loans. It is the customer 's responsibility to pay and the loan servicer 's responsibility to service the loan. - I am a customer of Navient, not an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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 reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to Cushman v Iransunion 1997. Iranunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681, 15 USC 1681 {$2.00}. 15 USC 16815, 15 USC 1681eb. Delete ACCOUNTs 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 non-monetary relief