vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am writing to formally dispute the collection account referenced above, as it is currently subject to litigation. Per the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request the immediate removal of this account from my credit report until litigation is resolved. 

This account '' XXXX inclusion on my credit report during active litigation violates principles of accuracy and fairness. Until final legal determination is made the validity of this debt remains unconfirmed, and reporting it as an outstanding collection is misleading and potentially damaging. 

Under Florida Law, all debt collectors must be registered with the Florida Office of Financial Regulation to legally operate within the state as required under Florida Statutes XXXX Florida XXXX Collection Practices Act ( FCCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the collection account referenced above, as it is currently subject to litigation. Per the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request the immediate removal of this account from my credit report until litigation is resolved. 

This account '' XXXX inclusion on my credit report during active litigation violates principles of accuracy and fairness. Until final legal determination is made the validity of this debt remains unconfirmed, and reporting it as an outstanding collection is misleading and potentially damaging. 

Under Florida XXXX, all debt XXXX must be registered with the Florida XXXX XXXX XXXX XXXX to legally operate within the state as required under Florida Statutes XXXX Florida Consumer Collection Practices Act ( FCCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NV

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit. Remove all of these inaccuracies immediately. As, I AM, a victim of fraud, identity theft, mail fraud, and abuse ; as, fraud accounts are transpiring upon my personal credit reports ; and need be removed immediately per Federal 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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
They took XXXX out of my Bank account without any notification at all and will not return it.. 
They charged me a outrages rate to wire my money back to me .. XXXX out of a transfer of XXXX There site clearly states XXXX to wire money out https : //help.coinbase.comXXXX XXXX XXXX XXXX XXXX  There is absolutely no support to speak with anyone period. No support period.. 
There is no end to the many ways they steal peoples money..

They should be shut down and thrown in Jail..

Please see the three attachments.. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 2024-12-08 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: FL

Complaint narrative:
Subject : Request to Remove Unauthorized Credit Inquiries from XXXX and TransUnion Reports Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of unauthorized credit inquiries that appear on my credit reports with XXXX and TransUnion. 
The following inquiries were not authorized by me : Processed Date : XX/XX/year> Inquirer Name : XXXX XXXX Processed Date : XX/XX/year> XXXX Name : XXXX XXXX  Services I did not apply for credit with these companies or provide consent for these inquiries to be made. These unauthorized inquiries have negatively impacted my credit score and my ability to access credit under fair conditions. 
I request an investigation into these inquiries and their removal from my credit reports. Additionally, I ask for a copy of the investigation results for my records. 
For your review, I have attached a copy of my identification and the credit reports highlighting the inquiries in question. 
Thank you for addressing this matter promptly. Please feel free to contact me if further information is required.

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 2024-12-08 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: ICUL Service Corporation
State: FL

Complaint narrative:
I have unknow inquiries that i did not ortherized or got anything from reporting on my XXXX credit the report the inquiries are I ICUL service corp date XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NY

Complaint narrative:
XXXX XXXX Reported : XXXX. XXXX XXXX  + {$13000.00} Is reporting to my account fraudulent On my XXXX credit report it is reporting me as the authorize user which I have no consent to be so I am hereby requesting that you immediately block the following information from my credit report, as it is the result of identity theft, pursuant to Section 605B of the Fair Credit Reporting Act : [ List specific details of the information you want blocked ]. 
Please also send the required notifications to all furnishers of this information regarding the blocking of this data.

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 2024-12-08 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: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX XXXX Reported : XXXX. XXXX XXXX + {$13000.00} Is reporting to my account fraudulent On my XXXX credit report it is reporting me as the authorize user which I have no consent to be so I am hereby requesting that you immediately block the following information from my credit report, as it is the result of identity theft, pursuant to Section 605B of the Fair Credit Reporting Act : [ List specific details of the information you want blocked ]. 
Please also send the required notifications to all furnishers of this information regarding the blocking of this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 **Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received multiple {$100.00} Amex Gift Cards ( totaling $ XXXX ). When I try to use them, they are always declined. The Balances are all at {$100.00}, but no matter where I try to use them, they dont work. 

I tried to contact Amex but the number on the card is completely automated and provides no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
On XX/XX/year> I purchased a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX Oklahoma. 
The vehicle was sold to me with leaks that were undisclosed to me prior to purchase. 
I while the vehicle was in service for repairs I contacted the lien holder by phone on the XXXX of XXXX on this call I was told my income reported was retired. I told the man over the phone that I was not retired he explained it may be an input mistake. I asked at that time if I could have a copy of all documents I am allowed to have that relates to the loan. They only sent a copy of the contract for the loan. No copy of the application nor the service contract that was purchased with the loan. 
I have made several requests for the paperwork specifically stating I wanted to see the loan application and to this day I have not received it. 
Nor have I received a copy of all the phone calls I requested from the first call they made as a welcome call to the last one on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NE

Complaint narrative:
I have put {$3500.00} into Robinhood. It randomly locked me out of my account and said I needed to contact support to get it back. You need to be logged in to an account to use the live chat with support feature. I have tried email and phone calls and have not been able to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My savings account was hacked and 13 wired transfers to the same account at different dates were made, no 2 stage validation was done by the company, they didn't even find out that something is strange. 
I was shocked to find out that more than XXXX $ were missing from it and no action was taken by Chase, I informed them immediately as I was noticed that. 
I am waiting for other instructions from Chase but I want to make sure that in parallel the needed action would be taken to prevent it and restore the funds we had, before the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of unauthorized credit inquiries that appear on my credit reports with Experian and XXXX. 

The following inquiries were not authorized by me : Processed Date : XX/XX/year> Inquirer Name : XXXX XXXX Processed Date : XX/XX/year> Inquirer Name : XXXXXXXX XXXX XXXX I did not apply for credit with these companies or provide consent for these inquiries to be made. These unauthorized inquiries have negatively impacted my credit score and my ability to access credit under fair conditions. 

I request an investigation into these inquiries and their removal from my credit reports. Additionally, I ask for a copy of the investigation results for my records. 

For your review, I have attached a copy of my identification and the credit reports highlighting the inquiries in question. 

Thank you for addressing this matter promptly. Please feel free to contact me if further information is required.

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 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I previously had a {$5000.00} loan with OneMain Financial. As the balance of the loan approached XXXX, I experienced relentless harassment from OneMain through numerous sales calls, spam emails, and text messages. Coincidentally, I found myself in need of cash for an emergency, also around {$5000.00}. I spoke to a representative at the XXXX, Texas office, who insisted that I could only work with him in person. 

When I arrived at the office, I was placed in a room and left waiting for nearly XXXX minutes without any communication, except for occasional check-ins. After about XXXX minutes, the salesman informed me that my only option was to take out a title loan on my car for {$15000.00}. Though I initially declined, I eventually felt pressured to accept the loan due to my urgent need for cash and his controlling persuasion.

I made payments of {$590.00} a month on this loan for a few years. Unfortunately, tough times hit again, and I fell behind on my payments. After several attempts to negotiate a solution with OneMain, which offered no help, I ultimately defaulted on the loan. Three years later, I found a collection for approximately {$12000.00} listed on my credit report. 

I called OneMain to negotiate a settlement and requested that the collection be removed from my credit report. We reached an agreement stating that I would begin making payments on the settlement, and in return, OneMain would remove the collection. However, OneMain has not honored their part of the agreement. I am exhausted from the harassment, manipulation, and coercion by this corrupt lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Back in XXXX my car was in a wreck by XXXX it was deemed a total loss I kept making payments on the vehicle until the insurance and my gap coverage paid it off and they still placed a negative mark on my credit by saying I was 30 days late when Ive never paid late. Then they turned around and sent me 2 checks saying that its an overpayment but refuses to take this off my credit so I can get another vehicle. And theyve locked me out of my account so I can get any information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I requested all information in writing tracking information emails. I requested a 1099C because I would like to know why does it say charge off? For the company called XXXX. That is showing up on all my credit reports. This is a not accurate. 
What the credit bureaus are doing to me is an accurate what XXXX and Synchrony bank are doing is Not accurate. This is a violation. I will be contacting the IRS I will be suing for statutory damages.

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 2024-12-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
I purchased a XXXX  Gift Card for {$500.00} at XXXX XXXX on XX/XX/year>. An XXXX XXXX Bell Bank tried to Register the XXXX  Gift Card for Purchases on XXXX XXXX XXXX XXXX said they dont accept Gift Cards anymore only Debt XXXX or XXXX Cards or Credit Cards only. I asked for my {$500.00} back right away from Bell Bank XXXX XXXX XXXX, Minnesota & they refused to give me my {$500.00} Money Back right away. I buy everything online with XXXX XXXX. I need the Money back right away for my XXXX XXXX XXXX for XXXX also I buy from XXXX on line Platform. We called the Company of the Gift Card which is ( XXXX ) ( XXXX ). 
They said it will take at least 2 months to get me the Funds Back. Im XXXX legelly XXXX & XXXX. I need to Eat & so does my Dog. I has to go to XXXX because of XXXX Banks not doing anything. I got the Forms to file a Complaint in XXXX XXXX XXXX also. I need help now!!

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