vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors, NAVY FCU - ACCT # XXXX  have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: SC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Removal of an Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand for an immediate deletion of an inaccurate account from my credit report that is causing hardship to obtain approval of credit, that inline with the Fair Credit Reporting Act ( FCRA ), specifically consumer law XXXX XXXX. section XXXX ( a ) and XXXX XXXX. XXXX section XXXX ( a ) section XXXX. While reviewing my credit report, I have noticed an account entry that is inaccurately reported and must be removed promptly to avoid legal actions. 
The inaccurate account entry is as follows : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7800.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and XXXX XXXX : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws. 
XXXX Deletion Requirement : XXXX to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for XXXX : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within XXXX 15 days from the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, 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
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I transferred {$21000.00} from my checking account to my Coinbase account. I did larger transfers in the past without any problems. I linked a new checking account which I share with my XXXX and sent the money. My account was immediately restricted for almost 2 months. I can not use the money and Coinbase refuses to send it back to my account. They are holding my funds XXXX and when I called did not tell me the reason why. They are forcing me to wait until XX/XX/year> to access my funds. They should never have accepted my money if they were going to restrict my account. Obviously, I would have never done the transfer if I knew they were going to restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: NY

Complaint narrative:
I disputed inaccurate information with XXXX in regard to this account First Premier {$1100.00}, XXXX XXXX for {$600.00} and another XXXX  XXXX for XXXX XXXXXXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/year> which is another inaccuracy! How payment history begins XX/XX/year> and account opened in XX/XX/year>. The accounts for XXXX also showing various inaccurate late payment of XXXX, XXXX, XXXX then XXXX, XXXX, XXXX late. inaccuracy which shows XXXX, Transunion, XXXX never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that XXXX, Transunion, and XXXX allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : First Premier Bank Account Number : XXXX Balance : XXXX XXXXXXXX : delete account immediately, Account name : XXXX  XXXX Account XXXX Balance {$600.00}, Account Name : XXXX  XXXX account number XXXX Balance {$1000.00}

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 non-monetary relief
Consumer complaint received 2024-04-20 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: NY

Complaint narrative:
I disputed inaccurate information with XXXX in regard to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another XXXX  XXXX for $ XXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/2019 which is another inaccuracy! How payment history begins XX/XX/2019 and account opened in XX/XX/2019. The accounts for XXXX also showing various inaccurate late payment of 30, 60, 60 then 90, 90, 120,120 late. inaccuracy which shows XXXX, XXXX, Equifax never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that XXXX, XXXX, and Equifax allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: DE

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In response to a critical discrepancy within my consumer report regarding the account named " XXXX, XXXX I write to assert firmly and unequivocally that my report inaccurately reflects a missed payment on this account. I wish to emphasize that all payments linked to this account have been consistently made on time, and I possess irrefutable evidence to substantiate this claim. Moreover, I possess multiple pieces of evidence supporting my assertion. It is imperative that this matter be promptly rectified to ensure the accuracy and integrity of my consumer report in accordance with legal standards. 
Under the provisions delineated within the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of individuals ' information. Consequently, it is imperative that this egregious error be rectified without delay to preserve the integrity and accuracy of my credit report. 

I hereby assert, in unequivocal terms, my demand for the immediate correction of the false information pertaining to the alleged missed payment on the account named " XXXX. XXXX Failure to comply with this demand within the next 10 days will leave me with no recourse but to pursue legal action to safeguard my rights and rectify this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
XXXX ) XXXX HAS AN OLD AND AND ACTIVE ACCOUNT UNDER MY PERSONAL INFORMATION THAT IS AN ACCOUNT SET UP BY ANOTHER PERSON, USING MY PERSONAL INFORMATION ILLEGALLY XXXX ) XXXX HAS BEEN PROVIDED ( XXXX ) SEPERATE FRAUD AFFIDAVITS, POLICE REPORTS, AND WRITTEN DISPUTES ABOUT BOTH FRAUDLUANT ACCOUNTS AND HAS FAILED TO RESOLVE THEM AND REMOVE THEM FROM MY PERSONAL CREDIT BURUEAU FILES XXXX ) XXXX HAS UNLAWFULLY AND FALSELY REPORTING AN ACCOUNT, A COLLECTION ACCOUNT, AND INFORMATION ON MY CREDIT BUREAUS FILES XXXX ) XXXX HAS TURNED THIS FRAUDULANT ACCOUNT OVER TO A COLLECTION COMPANY WHO HAS ALSO UNLAWFULLY AND FALSELY REPORTING AN ACCOUNT, A COLLECTION ACCOUNT, AND INFORMATION ON MY CREDIT BUREAUS FILES XXXX ) I HAVE CONSISTANTLY REPORTED THIS FRAUDULANT ACCOUNT TO XXXX SINCE XX/XX/2023 AND HAVE NOT RECEIVED ANY WRITTENT EVIDENCE THAT THE FRAUDULANT ACCOUNT HAS BEEN RESOLVED AND REMOVED FROM MY CREDIT BUREAU FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Claim ID : XXXX Claim amount : {$40.00} Initiation date : XX/XX/2024 Merchant name : XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/2024 Transaction Ref. # : XXXX Bank of America 's response to the disputed credit card charge failed to meet the expected standard of diligence and consumer advocacy. Despite clear evidence of misadvertisement and physical harm caused by the merchant 's negligence, the bank 's actions were inadequate.

Rather than acknowledging the severity of the situation and taking proactive steps to address the issue in accordance with XXXX XXXX dispute resolution guidelines, the bank 's response appeared dismissive and failed to provide meaningful assistance to the consumer.

Furthermore, the bank 's assertion that the consumer may be held liable for the disputed transaction overlooks the consumer 's rights and the merchant 's failure to deliver the advertised product as promised.

In essence, Bank of America 's handling of this matter raises concerns about its commitment to consumer protection and its obligation to act in the best interest of its customers, as mandated by regulatory standards.

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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a police report from my local department. I explained to them how me & 200 other people were defrauded ( wire fraud ) by an online company called XXXX XXXX. ( You can XXXX and see all the several lawsuits against them. ) I went through lines of credit to build an XXXX XXXX wholesale business. I got capital off the Quicksilver credit card by getting it liquidated to pay cash for wholesale business. I wire transfer them the funds to run an XXXX wholesaling business & signed a contract that included money-back guarantee if I didn't get a return of investment. I filed a complaint with the FTC, Internet Crime Complaint. The company, XXXX, shut down. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now Capital One is attempting to go after the alleged debt via the straw name in all caps FIRST NAME, LAST NAME. I have repeatedly request Capital One to provide me a copy of the original agreement, also known as the " contract '' bearing my wet blue ink signature. A mere printout does not legally prove the existence of this alleged debt. Again show me signatures for each transaction, to establish the validity & authenticity of this alleged debt. Capital One wasn't present at each transaction. They have failed to give me full verification to prove the accuracy.

Next is this credit card secured or unsecured debt?

If it is secured, please provide the original statement that I signed saying that I pledge my assets or my bank account as repayment. If it is unsecured, that means this is an open revolving credit line & I would authorize you to discharge this debt to the Treasury 1st and then the IRS 2nd. Also does Capital One have authority to collect a debt outside of the parental/international jurisdiction. ( Do you have a good standing license to collect debts in other states and to do business in other states. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX fl XXXX DOB : XX/XX/year> Last 4 of SSNXXXX DateXXXX  Bureau Name : Experian Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 168 te ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-Experian ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
There was XXXX taken out of my account with out my authorization I don't know how it was the pay a person. I did not do this and it was done in XXXX but I did not get a post. The way I found it was when sending my son money I seen the transaction. The denied my dispute I redisputed and waiting

Company response to consumer: Closed with explanation