vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am unaware of this debt, I didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified mail receipt with my name and my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-19 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: NY

Complaint narrative:
An inquiry was done without my permission. on 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 2024-03-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you please review the documents? Several of the listed accounts contain inaccuracies, causing me considerable unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting an auto installment account ( opened XX/XX/XXXX ) that was charged off. First date of delinquency on this account was XX/XX/XXXX and should be removed by now. Balance is XXXX. Spoke with a rep that verified this information but said the account can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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 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 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company has been notified numerous times this is not my debt. It is a capital one account from XXXX  that is not mine. The company was told in XXXX it was disputed and they had 30 days to provide a signed application showing ownership of the account. A statement does not provide required documentation under the fair credit reporting act, they legally had 30 days to send a signed application showing the account was mine and opened by the consumer. They have called me daily which I have continuously told them it is not mine and it was put in dispute. They reported it to my credit bureaus despite not being able to validate the debt and provide documents showing ownership. I called numerous times to request them to delete the information from my credit report until they can provide the signed application showing ownership which they refused to do. They were made aware that they may be violating the fair credit reporting act by reporting a debt that its not the consumers and they said they did not care. Legally this is to be removed immediately from the consumers credit file unless proof of ownership is provided which is a signed application. Again a statement does not prove ownership since the account is not mine, they are willingly breaking the law by not sending the requested documetnion or update to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I don't recall having a contractual relationship with this collection company XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I am compelled to write this urgent complaint regarding a grave and unresolved issue with Coinbase , Inc. that has severely affected my financial stability and mental well-being. My case number with Coinbase is XXXX, and the associated account email is XXXX. 

Background of the Issue : On XX/XX/XXXX, without any prior indication or clear reasoning, my Coinbase account was abruptly restricted, causing immediate and significant distress. I was accused of violating their multiple accounts policya claim I have vehemently disputed with evidence proving otherwise. During a critical period of unawareness, induced by a lack of communication from Coinbase, I executed a substantial financial transaction. Specifically, on XX/XX/XXXX, I transferred XXXX XXXX from my XXXX exchange to my designated XXXX address at Coinbase, detailed as XXXX. This transaction represents a significant portion of my financial resources, and its disappearance without trace or explanation has inflicted substantial hardship on my daily life and financial security. 

Repeated Attempts for Resolution : Despite exhaustive efforts to contact and collaborate with Coinbase 's customer service for clarification and resolution, I have been met with silence or inadequate automated responses. My repeated pleas for engagement and transparency have been blatantly disregarded, showcasing a concerning lack of accountability and customer care from Coinbase. 

Demand for Immediate Action : The magnitude of this issue transcends a mere transactional error ; it strikes at the core of my livelihood, affecting my ability to manage my financial obligations and inducing unwarranted stress and anxiety. I implore your agency to recognize the severity of this situation and to intervene promptly to secure a resolution. The return or rightful acknowledgment of my funds within my Coinbase account is not only a financial necessity but a critical step towards restoring my faith in financial service providers and regulatory protections. 
Certainly, I can enhance the section of the letter addressing Coinbase 's lack of response and the disappearance of your assets. Here is the revised portion of the letter :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
Multiple Inquiry on my report were made without my authorization.

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 2024-03-19 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: PA

Complaint narrative:
I am writing to follow up my complaint regarding the presence of several delinquent accounts listed on my recent credit report, which I obtained and thoroughly reviewed. Upon examination, I discovered numerous inaccuracies and discrepancies that have caused me significant distress and concern.

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 2024-03-19 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We are disputing not receiving disaster insurance payout, Please provide info showing we are delinquent. Information that was shared from Mr. Cooper was incorrect. They are misleading and false in the area of my mortgage payment being 30 days or more late. We have documentations on ALL PAYMENTS that have been maid. Mr. Cooper previously said " Please note that accounts that were already 30 days or more delinquent at the time of the loss may receive claim funds up to {$5000.00} with an insurance adjuster 's worksheet/estimate '' We know for a fact that at the time of loss we have bank statement showing payments maid well before 30 days of being delinquent. We entered into a program to make XXXX payments in the row in order to be caught up from XXXX late payment before they took over from Home Point Financial. XXXX, XXXX, and XXXX payments where on time, XXXX payment was maid XX/XX/XXXX. and applied XX/XX/XXXX.We are current on our mortgage to date and have not missed a payment since XX/XX/XXXX, in which they hadn't taken over yet. We are asking Mr. Cooper to produce documentation showing delinquent at the time of loss. ( XX/XX/XXXX ) They are holding our insurance claim money of {$12000.00}. Threatening to only give partial if we do not meet such demands! We have sent them adjusters report on two different occasions. We have completed the work, the contractor is threatening lien & lawsuit because we have not paid for completed work. Mr. Cooper also states they will determine how much we will receive from insurance claim payout because its standard mortgage practices, the work is complete. There are many complaints against this company for fraudulent actions. We intend to gather other clients from Mr. Cooper who are having similar problems and pursue this to the fullest extent of the law. Our family has been great impacted by these course of events. We believe they are holding our insurance in a fraudulent way. Our opinion Mr. Cooper is intentionally trying to force families to default on mortgage after disasters by holding insurance claim payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2024-03-19 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 am writing to you once again regarding the unresolved dispute concerning several erroneous credit collection accounts on my credit report. Despite my previous efforts to rectify this matter, the accounts listed under the following numbers : XXXX Account Number XXXX  XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX Account Number : XXXX that I was only a authorized user on should not be on my report XXXX XXXX account I was only an authorized user on should not be remain on my report, in direct violation of federal laws and regulations. 

I have previously referenced these disputes under # XXXX and # XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a, consumer reporting agencies are mandated to uphold their responsibilities with fairness, impartiality, and utmost regard for the consumers right to privacy. Moreover, 15 USC 6801 reaffirms Congresss policy that financial institutions must respect customer privacy, including the non-disclosure of nonpublic personal information to non-affiliated third parties, as stated in 15 USC 6802 ( b ) ( c ). 

Furthermore, 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. Equifax, XXXX, and XXXX currently lack my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. This withdrawal of consent is explicitly asserted. 

Moreover, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report without authorization. The re-reporting of these accounts without my permission constitutes an adverse item, thus contravening the Act. 

I am once again demanding the immediate removal of these erroneous accounts from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action against Equifax, XXXX, and XXXX for the violation of federal laws, including the FCRA and other relevant statutes. 

Additionally, if these accounts are not removed promptly, I will have no option but to file a report of identity theft against credit bureaus as the inclusion of nonpublic information that was never authorized for display constitutes a serious breach of privacy. 

I trust that you will take prompt and decisive action to rectify this matter and restore the accuracy of my credit report. I look forward to your swift response and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submit a claim for a non authorized transaction the claim number XXXX and the bank has declined to refund my money despite I provided evidence of the merch to be a fraud and I provide enough details about the case

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 2024-03-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U. S. C. section 502 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't furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
I had my identity and my social security check stolen from my account when I mistakenly called a number that I thought was XXXX about being refunded for a payment that I had made to the wrong account. I was asked to go to a local XXXX and use the atm there after the scammer told me ( remember I thought it was XXXX but wasnt ) that it was the only way to get my refund. I was asked by the scammer to put in different codes into the atm there. When I realized I was being scammed, I quickly checked my online banking account and my social security check was stolen and the account was overdrawn by more than {$800.00}, which I immediately called Huntington Bank and reported to their fraud department. They said that it would be 10 days before I could get my money back. In the mean time, i locked all 3 credit reporting agencies, filled a police report and froze my Social Security number as well as reporting to Identitytheft.gov. I also had to get a new drivers license as the scammer asked to see my id through an app on my phone. 
I found out that the bank had put in the fraud for goods not recieved ( which was wrong ) and had to wait an additional 10 days at which time I was told they would not be refunding me any of my money. In the mean time, my following months Social Security check was deposited and applied to the negative balance, which left me still in the negative balance. I was able to get them to refund {$50.00} in fees and was still negative. Both social security deposits combined were a total of {$1500.00}. I have several case numbers from Huntington as well as all the receipts from the atm. My money was stolen to buy bitcoin. I dont even know what that is!

Company response to consumer: Closed with monetary relief