vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: CT

Complaint narrative:
The consumer reporting agencies have been VIOLATING my federally protected consumer rights. The reports that are being furnished by the consumer reporting agencies VIOLATE my consumer rights in a variety of ways. I am writing to dispute the following information that appears on my consumer report : TITLE 15 U.S. Code 1681 ( a ) ( 1 ) -INACCURATE REPORTING TITLE 15 U.S. Code 1681 ( e ) ( b ) -COMPLIANCE PROCEDURES TITLE 15 U.S. Code 1681c-2-IDENTITY THEFT TITLE 15 U.S. Code 1681 ( b ) ( 2 ) -PERMISSIBLE PURPOSE TITLE 15 U.S. Code 1681 ( S-2 ) -RESPONSIBILITIES OF FURNISHERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing several fraudulent accounts and unauthorized inquiries on my credit report, all stemming from identity theft incidents that occurred, many while I was a minor. These accounts were opened fraudulently using my personal information, exacerbated by my inclusion in the XXXX data breach. Despite my efforts, discrepancies persist, leaving me vulnerable to further financial harm. I demand the immediate removal of fraudulent accounts and inquiries, as well as a thorough investigation into the matter. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was depositing my rent money in the ATM {$2000.00} and the machine took all my money and told me there was an error and to call a number. I called that number and they said it could take up to XXXX days to count the money in the machine and, see about getting my money back. I am very upset that it took so much money from me and it gave a message that said only {$10.00} was deposited. Then a receipt printed out and said in fact {$310.00} was deposited. It was supposed to be {$2000.00} so XXXX they owe me {$1600.00}. I just wish to file a complaint so they know that Im serious about my money and Im very serious about the situation that they put me through. This was from Bank of America located in XXXX off XXXX. On XX/XX/24.

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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
This is my second attempt at seeking help. After this, I fear it might be futile. American Express sent me several invitations to apply for the Gold card, which I eagerly accepted. AMEX, being a top-tier company, made me excited and grateful for the opportunity. However, during the process of setting up my card and arranging cards for other users, I received a security alert, which I initially ignored. When I first called, I felt intensely scrutinized about my identity. Regrettably, I failed that verification and also the XXXX process. I have since faxed and uploaded a document they provided, along with my driver 's license, but I haven't received any confirmation. The only communication I've had is an email informing me that my account will be canceled in XXXX days. I'm deeply disappointed, as this card could have been a significant aid at this time. 

It's worth noting that I was approved for the Blue Preferred Card and everything is fine there, although the benefits and credit limits differ. I've made extra efforts, but whenever I call the team managing my account with the fraud department, I only reach a voicemail system that is perpetually full. If American Express doesn't see me as a desirable customer, I wish they would just state it plainly, rather than attributing it to identity concerns. My address and everything else checks out I've verified my credit report and it's all clear. I'm almost certain I'll receive an apologetic letter or email. Having maintained my credit diligently, being treated as unworthy is disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
This all seems to stem from a problem with a recurring buy of XXXX that happened in XXXX. 

XXXX XXXX my phone was stolen and I took the necessary steps to secure my banking and investment accounts. At that time the recurring buy at Coinbase tried to go thru but it was rejected by my bank. There was plenty of money both in my bank and coinbase but that seems to have created a situation where coinbase removed my bank account from being used for future purchases. I was never notified. I contacted Coinbase thru their AWFUL customer service in early XXXX and they said my account was under review and they required identification verification which I did and to wait 30 days. 

I believed the issue was resolved since the funds were covered for the XXXX recurring buy and my bank account security hold was lifted. When I contacted Coinbase in XXXX I noticed a recurring buy was attempted again but since they had removed/unlinked my bank account the transaction failed. I could not believe they had removed my payment method but not my recurring buy!! What did they think was going to happen since I had not been notified. At that time, I cancelled my recurring buy and contacted the XXXX customer support and again was told my account was under review for 30 days. I begged for them to tell me what I needed to do to have my account back to normal. Needless to say XXXX is up almost 50 % since then and I could not participate because of this situation. 

So I waited 30 days and contacted customer support again beginning of XXXX thru the chat feature and after waiting AN HOUR AND A HALF finally was able to chat with somebody who was not helpful. Told me the same thing the previous 7 or 8 people I have spoken with which is, the case will be forwarded to a team for review and after begging the individual to please connect me with a supervisor he disconnected the chat. Curious enough I didn't even get a case number as I had in the past. It has been close to 90 days and I have been unable to buy anything just sell and withdraw funds. I do not wish to. close the account. since I have been a customer for 10 YEARS. 

The below are the different case numbers from Coinbase that I have had. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX At this point I don't know what to do and the company offers zero guidance. I have reached out thru XXXX  visited their help center ( useless ) countless times and reached out to the company. thru phone and chat. This is my last attempt and if this doesn't resolve the issue I will be left with no choice than to liquidate my account, cause a tax issue and remove my funds. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
Accelerated inventory management filed a lawsuit on a debt which they did not verify nor send me any paperwork validating this debt, and how they came about being legally responsible for collecting the debt. This had a significant impact on my credit report. An attempt was made for them to provide me with the information and the caller wanted me to provide them with my personal information without disclosing who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, {$3800.00} in fraudulent purchases were charged to my Home Depot account # XXXX, without my knowledge. When I saw the fraudulent charges on my account, I immediately notified Home Depot. Home Depot initially agreed to remove the charges and gave me a new account number ending in XXXX, then, on XX/XX/XXXX, Home Depot sent me a letter stating that I did not sufficiently identify the fraudulent transactions. The letter said that Home Depot had conducted an investigation and that the information I provided was not sufficient to resolve the dispute. Home Depot did not explain what their investigation method was, or what they found in their investigation to support their claim that these charges were not fraudulent.

Home Depot has added the fraudulent charges back to my account. I have filed another identity theft report with identitytheft.gov. I am writing another letter to Home Depot. However, Home Depot insists that I must pay for the fraudulent charges that Home Depot added to my new account # XXXX, that were fraudulently charged against my # XXXX on XX/XX/XXXX. I believe that the fraudulent purchases were made by someone within the Home Depot organization, and that Home Depot has deliberately transferred these fraudulent charges repeatedly back to my account despite my repeated disputes of the fraudulent charges. I am sending another letter to Home Depot, and I have again disputed these charges. Home Depot refuses to remove the charges from my account. Home Depot is engaging in fraud and theft.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Bank is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

How can I owe them when it was my own $ that I was using.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services- is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

This is a credit collection agency that I am not in contract with,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal 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 non-monetary relief
Consumer complaint received 2024-03-09 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:
I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the XXXX and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
I have been in and out of hospitals and rehabilitation facilities for the past XXXX  years due to a severe auto accident. After reviewing a recent copy of my credit report, I have discovered that someone has used my credit identity without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
I have been in and out of hospitals and rehabilitation facilities for the past 5 years due to a XXXX XXXX XXXX. After reviewing a recent copy of my credit report, I have discovered that someone has used my credit identity without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: DailyPay, Inc
State: MD

Complaint narrative:
Tuesday thru Saturday I was to have my earnings posted on Daily Pay. Each time and day I called in I was given a different excuse as to why my available earnings have not been posted. Daily Pay also holds my regular pay for my payroll thru their bank, which is XXXX XXXX. Now the excuse they are sticking with is they have a system outage that has lasted since Thursday with no resolution time in place, yet I have not been paid even before the so-called " outage ''. They claim their system outage is to enhance our experience yet this enhancement is causing me not to get paid. It is the same verbiage and script that is given on each call or chat with again, no resolution in place. It will take a month for them to even have them removed and end business with them so my pay is tied up with them with an outage they have no clue as to when it will be fixed and I have bills to pay and need gas for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TX

Complaint narrative:
XXXX XXXX is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I was affected by Hurricane Harvey and creditor would not assist in my distress. The vehicle was repossessed and auctioned off and balance was sold to XXXX XXXX, both have on my credit report and the amounts that are being reported are 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 2024-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I did not sign any contracts with XXXX XXXXt- The original Creditor is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: MI

Complaint narrative:
XXXX XXXX has been removed as the file is not mine. XXXX and Trans union have failed to investigate and fix the issue and have also failed to update the account to relevant information. Both companies are on there 10th dispute with failures to resolve issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: MD

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.

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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