vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have a coinbase.com account. I set up XXXX with an authenticator device but had to factory reset my cell phone which erased the authenticator details I need to log into coinbase. 

To reset my coinbase authenticator I have to verify my identity through am automated verification system on the coinbase app which has me upload pictures of my driver 's license and my face. I have attempted to do so XXXX times in different lighting conditions, but the process continues to end with an error message. 

When I try to contact Coinbase support I must first 'sign in " before the support chat will connect me to a live agent. Due to the issue with XXXX, I can not sign in so I can't talk to an agent. 

When I call coinbase an automated voice tells me " call volume is extremely high '' and it hangs up on me regardless of which option I try. 

I submitted a complaint to Coinbase and they have redirected me to the same processes I've already tried. So I tried them again, but I'm still getting an error on ID Validation so I can't sign in to talk to a support agent. Coinbase sent me an email this morning ( XX/XX/2023 ) that my case is being closed and to contact support ... UGHH, they are so dense! 

All I want is a way to reset my XXXX that doesn't require me to sign in to talk to an agent. Coinbase could pick up the phone? But they seem unwilling to do so. I've spent XXXX hours trying to resolve this since approximately XX/XX/XXXX. I have read all the support articles, but they all lead back to 'signing in " ( which I'm unable to do ) to talk to an agent. 

Either through negligence, apathy or unwillingness to provide access to my funds, coinbase is keeping me, and I'm sure other users from gaining access to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NY

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 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 non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc
State: TX

Complaint narrative:
XXXX XXXX this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX  XXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


LOQBOX-XXXX  Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Utilizing a proactive approach, I am presenting my issue with my loan servicer MOHELA before I am falsely placed in a late payment or default situation. 

With the resumption of student loan payments in XX/XX/XXXX, I was initially with XXXX before being transferred to MOHELA towards the end of XXXX. 

Due to a late transfer, my first XXXX payment was due XX/XX/XXXX. At the end of XXXX, I paid in full my student loan payment of {$350.00}. 

After payment, and after the XX/XX/XXXX payment due was posted. I began making intermittent payments towards my XX/XX/XXXX payment. On XX/XX/XXXX, my balance due was {$160.00} for XX/XX/XXXX. On XX/XX/XXXX, I submitted payment of {$160.00} to pay my XX/XX/XXXX balance in full. 

After completing this payment in advance, a new balance of {$130.00} appeared on my account, due XX/XX/XXXX. Confused, I submitted a payment on XX/XX/XXXX for the balance of {$130.00}. After this payment posted to my account, my balance remained {$130.00} and indicated it was due XX/XX/XXXX. 

On XX/XX/XXXX, I called and sent a message to MOHELA. I spoke with a customer service representative. Initially, the customer representative told me the balance was because I was behind in payments. This quickly changed when I informed her that I did not start repayment until XX/XX/XXXX due to transfer from XXXX. As a result, she acknowledged the error on MOHELAs end and indicated this would be rectified on my account. 

It is XX/XX/XXXX, I still have a balance of {$130.00} due on XX/XX/XXXX. I sent a message to MOHELA again with no response. 

The issue, I have paid above and beyond my required payment for XX/XX/XXXX, and it does not appear that MOHELA is going to fix this issue as verbalized to me on XX/XX/XXXX. 

I am being proactive, as I do not want to be falsely accused of making late payments or defaulting on a student loan. I do not intend to make an additional {$130.00} payment for XX/XX/XXXX, as I did this on XX/XX/XXXX. 

I am hoping that you can be of assist, as I will continue up the chain until this is rectified. I submitted a complaint to Federal Student Aid ( gov ), however I am still waiting for their XXXX day response time from an XXXX complaint. As a result, I dont expect a response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX account was wrongfully removed from my report at the beginning of XXXX, despite being open and in good standing. I am an authorized user on my moms XXXX XXXXXXXX XXXX, in order to boost my credit score, due to her impeccable payment history combined with an aged account and a high credit limit. No changes were made to the account - I verified this information with XXXX XXXX personally - who stated that I am still an active authorized user on the account and they have no idea why it would be taken off, as they have reported it correctly to the credit bureaus. I have tried to dispute this with experian, but their dispute process only lets you click on items that exist on your report individually and then amend the incorrect information. Because this item was removed from my report altogether, I can not dispute it using their dispute center. They also dont accept disputes via phone anymore. 

The removal of this account has made my credit score tank about XXXX points overnight, and has reduced my credit history by 8 years, and proven to be very detrimental to my financial health and goals. Please help me rectify this issue ASAP. 

I attached a copy of my credit report from XXXX, in addition to XXXX screenshots from myXXXX from XX/XX/XXXX ; all showing the account i am referring to in good standing and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IA

Complaint narrative:
Money taken by US bank without my knowledge or fair debt or any valid judgement US bank ignore disputed bank statement.

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 2023-12-11 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: LA

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 2023-12-11 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: AZ

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

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 2023-12-11 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: TX

Complaint narrative:
Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late by default. XXXX XXXX XXXX XXXX XXXX XXXX It states I made a payment in XX/XX/2022 but states in the history you closed the account .. and only after 60 days of being late XXXX XXXX XXXXXXXX This charge off again is illegally reporting late payments against an already charged off account that is late by default. In total it has close to 79 late payments attached to it and continues although the account has been charged off.. I want this late payments updated to pays as agrees. 

I

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 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Earlier this year my Paypal account was hacked. I resolved the dispute with my credit card company and removed that card and all my bank details from Paypal. I want to close my Paypal account ( XXXX XXXX ), but they refuse to do this unless I upload photo documentation to their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

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 2023-12-11 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: NC

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: SC

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.

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 2023-12-11 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: SC

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 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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a denial to fix my credit report. Eqifax data was breach in XXXX and my data was taken. There are several charges I did not do in fact was in XXXX  at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These account have late payments that I would like to be replaced with ok. The accounts are as follows XXXX XXXX- XXXX Has late payments attached to a now charge account. Charge accounts should not have any late payments due to the acccount is already late by default. 

XXXX XXXX XXXX & XXXX This account is not suppose to be reporting each and every month and the account is late by default. 

Kickoff LendingXXXX XXXX This account is a charge off and charge accounts are late by default so there should not be my late payments attached to it. It is also inaccurately reporting from XXXX XXXX XX/XX/2023 it goes from XXXX late to XXXX. I am sure that isn't accurate at all Please update and report pays as agrees. 



I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation