vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: IN

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$910.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: MA

Complaint narrative:
XXXX - XXXX Opened XX/XX/XXXX Last Active XX/XX/XXXX This account is not mine. Transunion is the only credit bureau reporting it. I have no additional information regarding this account.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Dear Total Visa, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that Total Visa has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for Total Visa to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that Total Visa immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Total Visa will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: IL

Complaint narrative:
I have communicated to the company on the several occasions that this is not my debt! I have written four times. I have a filed police report and FTC report. Their verbal and written responses have been to abusive and harassing collecting tactics refusal to remove the fraudulent account from credit reporting agencies. Below is a summary my most recent communication with redacted personal information. 

'This not my account. I NEVER gave you or the original debtor my SS # or my DOB! You have not provided any confirmation that the DOB and SS # that you have is indeed mine! If you or the original debtor have obtained my PII ( personal identifying information ), it is by fraudulent means and identity theft. XXXX does not have an account opened by the original debtor and there are no inquiries that an account was ever opened! There has never been account opened under my name. The SIGNATURE IS NOT MY NAME!!! NO ONE HAS AUTHORITY TO OPEN AN ACCOUNT IN MY NAME NOR H ACCESS TO MY DOB OR SS #. I FILED A POLICE REPORT, case report R.D. # XXXX which I provided to you in prior correspondence and a IDENTITY THEFT REPORT with the FTC, report # XXXX  I have filed an official police report and identity theft report. Again, this is not my account and I am not responsible for it. Close this account and discontinue collecting and reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
When I answered, they wanted to know if it's me and when I said who's calling, they said it's personal. 
Another time they called, they said they are in a recorded voice and I said I don't to be recorded, they hung up Another time they said when I asked where they are calling from and they said Portfolio recovery. 
I asked what's that and they said personal matter I also had some correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: AZ

Complaint narrative:
I opened a Savings Account with XXXXXXXX XXXX  over 2 weeks ago. I deposited {$180000.00} into Savings Account last week. I made 2 transactions, first one to my XXXX XXXX XXXXXXXX checking account of {$1000.00}, and the second was yesterday to XXXX XXXX XXXX XXXX for Earnest money on a new home. I tried to access my account this afternoon and was notified my account is currently XXXX. I called customer service and was told I had to wait 14-20 days for the fraud department to review my account. A manager was not available to speak and no one was able to help me at all.

I need access to the money in my account in the next few days. I am suppose to close on my new home on XX/XX/year>. Will you please help me recover my account in order to pay for the down payment of my new home by the end of this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.

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 2024-01-24 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:
This complaint is in regards to the account XXXX # XXXX. It is illegal to report transaction history for utilization.

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 2024-01-24 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:
This complaint is in regards to the account XXXX # XXXX. It is illegal to report transaction history for utilization.

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 2024-01-24 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Subject : Request for Duplicate XXXX XXXX Documentation Dear Chase Bank , I hope this message finds you well. I am writing to request a duplicate copy of my XXXX XXXX documentation. Despite the passage of time since its expected mailing date on XX/XX/XXXX, I have not received the original document. 

As my taxes for the year XXXX have already been filed, I kindly ask for your assistance in providing a duplicate of the XXXX at your earliest convenience. Please send it to my home address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Maryland XXXX. 

I appreciate your prompt attention to this matter and thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
I scheduled an online mortgage payment from US Bank NA on XX/XX/year> to my mortgage bank, Pacific Global bank ( AKA. Royal Business bank ) located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. In the amount of {$1100.00}. This is an online payment issued directly from US Bank to Pacific Global bank, and the payable should be Pacific Global bank. 
After a while I received notification from the mortgagor Pacific Global Bank indicated that my mortgage is in delinquent. I checked the online payment from US Bank, which indicated the check was cleared but instead of endorsed by Pacific Global bank, the same check was endorsed by two different individuals and deposited three times, which twice were successfully debited from my US Bank account. 

I went to the US Bank branches several times and questioned why the check with the same account number and Same check number, issued by US Bank, can be able to be cleared multiple times. Every time I went to US Bank to try to get the problem resolved, but without any resolution. I'm look for US Bank to reimburse the twice falsely debited check amount.

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 2024-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal wont send me any of my ACTUAL debit or credit cards associated with my account number or social security number. They lied over the phone on this night. To force my account to me closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9500.00}

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 2024-01-24 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: PA

Complaint narrative:
Upon attempting to obtain housing I was denied the ability to move into a new home due to this account reporting on my consumers report. I have tried to resolve this matter with each credit bureau and was disregarded. I have never knowledge of this account nor did give this company permission or my written consent to furnish anything on my credit report. Without my written consent and my permission and my knowledge would be considered identity theft. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 604 ( A ) section2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thave NOT given my consent nor have I given or received written instructions to furnish this account. I am being taken advantage of From XXXX TransUnion and XXXX and they are violating my consumer rights.

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 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX unauthorized transactions in the Coinbase App. I immediately called Coinbase ( XXXX ) XXXX to resolve this issues. At that time, unauthorize transaction caused loss of {$860.00}, and more than {$6000.00} was remained in the Coinbase account. Representative from Coinbase stated that they will initiate internal investigation, and freeze my account to begin verification step. I verified myself with photo of myself with driver license via email, and they unfroze my account. I tried to initiate transfer of remaining balance to my account, and the Coinbase locked transfers until XX/XX/24. Thus, I waited until XX/XX/24, and tried transfer of {$6600.00} to my bank account. However, without notice, Coinbase has deleted my account without my approval, and fund of {$6600.00} is missing currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: WI

Complaint narrative:
TransUnion reinserted an old Child Support Case on my consumer report without notice, further more, it states on the Transunion website itself that it can not report Child Support because it did not originate from a credit transaction, nor did I give them written consent to publish any information in regards to that closed case, this information is inaccurate, false, and misleading, and is in violation of the Fair Credit Reporting Act. Also, to post any information in reference to this resolved matter, TransUnion would also need written consent from the Court said case was filed in. I challenge TransUnion to produce any document with the courts consent, or my written and notarized consent. If not this information must be removed from my consumer file, as it is inaccurate, False, Misleading also TransUnion is Guilty a Third time of Violation of the FCRA. I will also be seeking civil damages for being denied a line of credit from my credit union as a result of this. 
{$1000.00} per violation and there are many in this case. TransUnion own website states they cant report this .Remove this information 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Its a XXXX XXXX XXXX on my credit report and Experian is the only bureau that has the information wrong. I have disputed it over four times and they still have it on my report when it was dismissed by the court.

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 2024-01-24 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$59.00} The closing date on by account is the XXXX of the month and the payment due date is the XXXX of the following month. 
This purchase was the only transaction and amount due on my statement. So, {$59.00} was due on XX/XX/XXXX. 
I returned the item on XX/XX/XXXX. This was well in advance of my payment due date, so I did not make a payment on XX/XX/XXXX as my remaining statement balance was XXXX. 
I was assessed a late fee of {$29.00} on XX/XX/XXXX. 
I called Macy 's to ask why I was charged a late fee when the item was returned well in advance of the payment date. I was told it does not count towards my account balance until the billing cycle has ended. In other words, I returned the merchandise, they have it back, but they won't actually credit the return to my account until the next statement closes. 
I did call Macy 's and after about XXXX minutes to explain the situation. They adjusted the charge but couldn't answer my questions about if this was a legal practice and how I could file a complaint as a consumer. 
This seems like an unfair and dishonest billing practice. Every credit card I have shows a " remaining balance '' when you go to make a payment. Some people live paycheck to paycheck and count on receiving their money when they return something. Why should they still be expected to pay for something they no longer have/own. I can see if the account take XXXX or XXXX business days to update, but in my case we're talking XXXX business days ( 16 days total ). Is this legal for them to conduct business this way? Does this go against my credit as a late payment, thereby affecting my credit score? 

I would appreciate a response. Thank you. 

XXXX XXXX I tried to upload a copy of my account statement and my return receipt. The upload was not working. I can provide in by email if required and contacted.

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