vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through 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 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I booked a place with XXXX XXXX  from XXXX XXXX, 2020 with confirmation code of XXXX ( address of the house : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Before heading out to the rented house, I contacted the host to make sure that she had A/C as government just issued an Excessive Heat Warning. XXXX, the host, said that they did not have a/c. I asked if we can come another week, any other time and she said no, citing her cancellation policy. She suggested that I cancel the trip by myself, and if somebody re-books it for the days I made a reservation for, she will reimburse me. I cancelled the reservation per her suggestion. 

Another family booked the place for 3 nights, and when I asked XXXX to reimburse me the full amount booked for 3 nights by another family, she said she is withdrawing her offer and NO REIMBURSEMENT WILL BE MADE. 

It is unethical to be charging 2 families for the same time period and making money off of both families while host 's house does NOT meet physical needs of the guests during a EXCESSIVE HEAT WAVE WARNING. 

If I pay XXXX $ dollars - I expect livable, comfortable accommodations, not a heat XXXX with no a/c for 7 days, and I was deeply disappointed that XXXX XXXX sided with this unethical host. 
Please, review this. 
Thank you

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 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal Hold my money, after I fixed the shipment info they said I'll be able to get the money after 7 days but then it's been 10days already but the money is still on hold. I am not sure if this is some mistake as I assume it has to be. There were several holds they've done to me and it feels so inconvenient. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclays credit card had zero balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. Barclays investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with XXXX  and XXXX, but not XXXX. XXXX  complaint was settled with the the balance being maintained by Barclays. Waiting for XXXX result. All credit reports are still down XXXX points.This was after Barclays promised to take care of the problem on their end two weeks ago.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a identity theft victim and I've have accounts reporting on my credit report that doesn't belong to me. I've contact the bureau multiple times but received no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through 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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For the past few months, I have been tirelessly fighting to remove fraud accounts from my credit report. This false reporting has been causing me a great deal of hardship in my life. Thankfully companies like XXXX and XXXX have taken a course of action that shows they've done a thorough investigation into this serious matter. Please see to it that Transunion provides proper legal credit verification to these accounts that weren't authorized by myself or anyone I know! Transunion has been providing the same responses stating that these fraudulent accounts are verified without legal proof for these fictitious transactions that were done in my name.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a identity theft victim and I've have accounts reporting on my credit report that doesn't belong to me. I've contact the bureau multiple times but received no results.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My personal information has been comprised due to identity theft. I don't know how the theif was able to gain access to my personal information and use my name without me knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid and other stress I'm dealing with in life this makes me even more stressed out. I did all i can do after I went to the police and file a report about this when I found out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and Equifax, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase and decided to wire funds to my account in order to purchase cryptocurrency. 
They provided me with paying in details to a GBP wallet which I used to wire XXXX GBP to the wallet on XX/XX/2020. It is mow XX/XX/XXXX. 

So far nothing has been deposited into my account. I have reached out to Coinbase support through the site, which offers no opportunity to speak to anyone. I received an acknowledgement from them and one single follow up email saying they are investigating. But subsequent chaser emails by me have been met with silence. It is now a month since the funds were sent and there is no sign of my missing funds. I have confirmed that the wire was accurately sent using the exact details Coinbase gave and I have also noted from searches online that this sadly seems to be a common problem with Coinbase.

I have attached the details for paying in money to my account that Coinbase provided me and the details of the transfer I made that did not arrive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
There was a collection account that was added to my credit report for a item that was included in a chapter XXXX bankruptcy, that should now be on my account and after I disputed it it still shows that it is accurate. the bankruptcy was filed in XXXX of XXXX an discharged in XXXX of XXXX and the original debt that they are putting on my credit record is from XXXX which was well before the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Yesterday XXXX XX/XX/XXXX Friday I placed an online order with XXXX XXXX XXXX For a purchase of a new XXXX. The credit card was rejected. I normally receive an email that says we have suspected suspicious activity on your credit card is this really you using the card? followed by the option to say yes or no. But this time I received an email telling me they have monitored suspicious activity please cal an XXXX toll free number. This time there was no option asking me if this was you please say yes or no. When I called the number I heard a recording that no one is here right now please call back another time. That was weird. Usually theres someone there 24 hours. 
The next day today that is Saturday XX/XX/XXXX I called the credit card company and I explained the problem. The person got in to my account and read the purchases and I concurred yes those are all my purchases. The person than said I have to connect you with the fraud department to re set or reuse your credit card. I was connected and repeated the process again only this time the person said my account didnt exist. I gave her card number, social security number my name 3 different times am doing still the person said I cant find your account. She eventually and rudely hung up on me. I have had this card since XXXX and I still cant believe the person cut me off and hung up on me but there it Is. And that I said my compliant in a nut shell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and XXXX, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, 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: NE

Complaint narrative:
I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXXl, XXXX XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, 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: NE

Complaint narrative:
I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Credit card opened before the my SS number issued ; This is Errors and violation of federal law

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX credit card had XXXX balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. XXXX investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with Equifax and XXXX, but not XXXX. XXXX complaint was settled with the the balance being maintained by XXXX. Waiting for Equifax result. All credit reports are still down XXXX points.This was after XXXX promised to take care of the problem on their end two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Thie complaint is against Kia Motor Finance Corporation. I incurred costs due to the company 's failure to remedy my inability to register a car leased through XXXX of XXXX XXXX ' ( dealership ) in New York. 

At the time of lease, the dealership indicated that the vehicle could be registered in NY and I provided NY insurance. But despite many phone calls and emails by me, the vehicle was never returned to me and I could not use the car or park it safely for periods of the lease term. 

No attempt was made - either before or after towing the car back to Maryland at my own expense so that I would not incur tickets - to provide any alternatives so that I could use my vehicle, or mitigate the cost of returning the car to the dealership, or mitigate the lease termination cost. And no attempt was made to have my XXXX lease payment suspended or otherwise reduce lease termination costs, for example by buying back the vehicle. It's unfair for me to have to pay the entire lease termination fee of over {$3500.00} based on this. Most pertinent to this complaint, when after much additional correspondence, a bill was sent to me ( 1 ) I was not notified in a timely fashion because a letter was sent to my home when I had indicated that I had relocated due to COVID and would require email or phone notification ( 2 ) I was not informed of any right to dispute the charges. 


Thank you for your guidance. 
Sincerely, 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