vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Ongoing fraudulent transfer notifications from third parties fraudulently using personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: PA

Complaint narrative:
Back in XXXX I used to rent rooms in my home. I had XXXX roommates. I found out XXXX of them use my information and also his mother information to open up accounts and cell phones. Me and his mother both reported him I mailed both of the devices back to XXXX I spoke with someone in their executive department And they said they would credit the account for the bill. The devices was mailed back to them then sent the debt to Jefferson system LLC, which is a debt collector which uses fraudulent tactics to try to collect debt that was already resolved. They reported to the credit card company and credit karma Doesnt do a proper investigation. They allow companies like them to damage consumers credit by adding in the leading this debt throughout the years I have uploaded a few emails between me and the individual name, XXXX XXXX. That was the executive specialist at the time because I reported this back in XXXX when it first came on my credit report, I filed the complaint with a XXXX XXXX XXXX thats why the specialist from XXXX reached out to me to resolve the issue so Im not sure what happened between XXXX and Jefferson Capitol system but theyre creating false death and fraudulent documents. These are tactic they try to use and scam money out of people to keep their business afloat. Many consumers throughout the world have complained about this company and we cant see why. Legally, they are still operating in the state of Pennsylvania. A credit reporter only can be on there for four years after that the report to post to drop off knowing that XXXX allowed another individual to order phones and services Without proper confirmation so I am reaching out to the FTC for assistance because this company is doing this to XXXX  of consumers. If you go on the website and read the reviews and all the complaints between the consumer protection and with a XXXX XXXX XXXX They just added this debt to my credit report XX/XX/XXXX they knew income tax season was coming up and they added it that like it was a new debt like it was just opened so I need assistance with this issue because this company refused to work with any consumers the individuals that work for them. Hang up on you when youre asking for a copy of documents, they put you on hold and dont come back on. Theres a man and woman that goes back-and-forth answering the phone so I need assistance to resolve this issue starting in XXXX this is XXXX. And if theyre saying they never received the devices. Why didnt they never reach back out things get lost in the mail, but this whole situation is unreal. XXXX and Jefferson capital system is doing financial bad in their economy so this is their tactic for financial gain to stay afloat in the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit. I have sent numerous letters requesting for experian to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet they continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests.I ask kindly that please remove all addresses that dont 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 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am not aware of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

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 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/2023 XXXX 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 of 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 2024-02-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/2023 XXXX 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 of 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 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am having difficulty with Transunion. 

Transunion made a grave error on XX/XX/XXXX. I had fraudulent activity on my account which started XX/XX/XXXX. The only way that I found out about it was on XX/XX/XXXX, I opened a letter from XXXX asking me to contact them if I did not recently apply for a card from them. I didn't so I called them immediately. They closed the fraudulent application. I then looked up my credit reports and found XXXX unauthorized hard inquiries on my account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - all occurring between XX/XX/XXXX and XX/XX/XXXX. When I checked my Transunion file under the section Inquiry Analysis-I found that Transunion sent my credit report to XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This is my old address. I haven't lived there in XXXX years! The second address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -I HAVE NEVER LIVED IN FLORIDA! When I attached documentation to support their error, the following happened : They removed it from the Inquiry Analysis Section and kept the one from my old address in an attempt to hide the fact that they made a significant error - exposing my credit report to a someone impersonating me. Then, I mailed them a copy of the error - showing that they are attempting to hide the fact that they sent my credit report out to someone in Florida- after I provided them with a copy of my social security card, Driver 's License, and current utility bill. I asked them in writing how where they going to compensate me for this egregious error. When I opened my credit report up TODAY, XX/XX/XXXX, They made XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX my other address!! Why would they do this after I uploaded documentation online to state that I have never lived there, I wrote them approximately XXXX pages and I stated that I have never lived there. I visited XXXX as a child over XXXX years ago! I have NEVER lived in Florida. They are attempting to hid an egregious error on their part! Even after I placed a fraud report on my file. What are they attempting to do? Why would you make this my other address after I told you via phone, via chat, via uploading documentation, via writing you personally - that I have NEVER lived in Florida! They are still exposing me to predators!

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 2024-02-24 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: MD

Complaint narrative:
Explained to XXXX XXXX XXXXy I have been a victim of fraud and also I could have sworn I had a security freeze on my account I asked said department to remove all unrecognizable inquiries per 15 U.S Code 1681-congressional findings and statement of purpose.

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 2024-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
A synchrony bank is trying to say I owe money on my Amazon account. I have called Amazon and their cards are with XXXX not synchrony bank. This phone number XXXX keeps robo calling me and it says it's synchrony bank calling about my Amazon account. I have also received an email today stating I have an overdue account balance. Amazon has assured me of my positive balance on my card. This phone number came up as fraud and robo calls when I XXXX it.

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 2024-02-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
This is a very complicated issue, I am attaching the info. Basically ignoring my letter for explanation, emails. Also will not answer emails just wants me to sign paperwork and send back. I am still paying the monthly amount of {$350.00} until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # 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 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am a XXXX veteran. I was homeless. XXXX XXXX XXXXXXXX is a non profit that has a XXXX XXXX program for homeless veterans. XXXX XXXX XXXXXXXX moved me into XXXX XXXX with 12 month lease. XXXX XXXX  XXXX staff facilitated a section XXXX application for my housing longevity. They did not pay the exiting fees of 2 months rent. The delinquency went to collections. I asked XXXXXXXX XXXX XXXX to help me with collections process. A case manager said XXXX cant help with collections. So I am currently in the process of writing a grievance to XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX because they promised to pay this via contract. There is no way for me to pay this. It is negligent for XXXX XXXX XXXX, a non profit for veterans, to place me in a housing circumstance that compromises my financial, medical, and food security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gordon, Aylworth & Tami, P.C.
State: ID

Complaint narrative:
That : XXXX XXXX XXXX XXXX Gordon, Aylworth and XXXX XXXX, along with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX idaho conspired together in : Case No. XXXX ( Bank Levy XXXX to : Violate consumers financial laws and to engage in the unfair, deceptive and abusive acts and practices and Violate the fair debt collection and practices act ... That on XX/XX/XXXX XXXX XXXX XXXX XXXX a bank levy on my XXXXXXXX XXXX XXXXccount for {$980.00} ... l was never notified by : XXXX XXXX our XXXX XXXX XXXX XXXX this occurred ... That on : XX/XX/XXXX, there was another bank levy put on my XXXX XXXX  account by : Gordon XXXX Aylworth and XXXX for : {$1000.00} ... this is the same Case number as above... I was not notified by anyone this happened ... That XXXX XXXX did not take the actual court order stating the original {$980.00} ... That XXXX XXXX  took the cover sheet of the collection agency for : {$1000.00} ... That I filed a complaint against the collection agency and XXXX XXXX XXXX XXXX with the XXXX Case No. XXXX ... That a hearing was conducted before the : XXXX XXXXXXXX XXXX XXXX XXXX XXXX on : XX/XX/XXXX there has been no decision yet ... That I filed a complaint against the collection agency with the Department of Finance XXXX I was never notified about any bank levy until : XX/XX/XXXX and XXXXXXXX XXXX  took {$100.00} for processing fees associated with this bank levy... XXXXXXXX XXXX also added other penalties and fees associated to this bank levy...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
My XXXX credit report has an entry for the collection company, XXXX XXXX XXXX XXXX for XXXX. They say that the original creditor is a company named XXXX XXXX and that the account was opened in XXXX of XXXX. I disputed this debt multiple times with XXXX, but they haven't removed it. XXXX is the only credit reporting company that includes this entry. I've called XXXX and XXXX and Tempoe LLC and requested information concerning this account to be delivered via XXXX mail on XX/XX/XXXX, but both companies have failed to send this information. I've researched the company Tempoe and found that they are a merchandise rental company and know that I've never used their services at all. This company has also participated in illegal activity and has been fined by cfpb in the past. I would like this entry removed from my credit report managed by XXXX. I've contacted XXXX several months ago and placed a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: SC

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 2024-02-24 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: SC

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 explanation
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.

Company response to consumer: Closed with non-monetary relief