vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I gave Experian ( XXXX ) chances to comply with the FCRA and show the method of verification they use to investigate the accuracy of the accounts on my credit report. They are past their 15 days to provide the steps per 15 usc 1681i ( 7 ). The request was delivered on the XXXX of XX/XX/XXXX. As of XX/XX/XXXX Experians refusal to delete, stop disclosing, and obtaining by false pretenses my nonpublic information, financial transactions, employment history, social security number, and other means of identification without my written consent or lawful authority are DIRECT VIOLATIONS OF Gramm-Leach Bailey Act ( 15 USC 6821 ) Privacy Act ( 5 USC 552A ). Also, Experian has committed Aggravated identity theft ( 18 USC 1028a ) against me due to the use and possession my non public information without my direct written consent or instructions. These willful violations has caused server injuries to my well-being and rights with the violations of.

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 2022-05-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX 
I have disputed this account because it was opened fraudulently. Experian is leaving this up to furnisher who is XXXX XXXX to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. XXXX XXXX has asked for a copy of my ID. This has been submitted to Experian to submit to them several Times

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!

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 2022-05-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
My home was destroyed XX/XX/2021 due toStorm the Insurance company paid a settlement for the house and it was sent to the mortgage company it has been sitting in an account for almost a year and we have been paying rent and storage trying to sell the vacant land the mortgage company put forced insurance on just the lien when the insurance company could no longer ensure the property I have tried to get the 3 inch the mortgage company to remove the forced insurance because we have a buyer for the land and with the amount that we were asking it will just pay off the mortgage if they dont remove the forced insurance there will be not enough moneyTo pay the loan off the mortgage off with the XXXX XXXX  that they are holding and we have asked repeatedly please help let us pay that mortgage off we dont get any proceeds from the sale we have lost everything and they refused to to give us any assistance or even answer our questions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
IT APPEARS, Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604, Section 2. It ALSO States A Consumer Reporting Agency. Can not furnish an Account WITHOUT My written instr
uction.

Attempted To Resolve XX/XX/2022. 
XX/XX/2022, I Received Email of Refusal to Comply via 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I have been a coinbase client for multiple years with no issues at all. My account is fully verified with my ID and I already have my bank account/s linked to coinbase. I have done many deposits, withdrawals, and transaction on coinbase with no issues at all. 

On XX/XX/2022, almost 2 months ago, I received an email saying that my account is restricted and being reviewed and I cant use it at all. This was out of the blue. I havent used this account much at all, and around the time Coinbase froze my account I wasnt actively using it at all. 

I contacted Coinbase a couple days later through chat and I was told to re-upload my ID and update any information, which I did. I waited a couple weeks but nothing happened. I contacted coinbase again and I was told to do the same thing and wait. It has been almost 2 months now! I have asked for a reason for the freeze on the account and no reason if provided. I asked to close the account and get my money back and I was told that this is not possible. I believe there might be some discrimination against me in this situation as theres absolutely nothing that I can think of that would cause my account to be frozen, and have them take over 2 months to look into this! 

Im asking for a clarification from coinbase, I want my account to be unrestricted and I want to get my money back. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX hard inquiry XX/XX/XXXX XXXX XXXX XXXX hard XX/XX/XXXX XXXX XXXX XXXX XXXX collections paid and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard inquiry, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Spoke with the companies and the bureau and they could not find any information. Also the bureau advise me to fill out form reporting fraudulent activity. I did not not authorize any of these companies to my credit report, Im unaware of my information being use when I have had a lock on my accounts including fraud alerts

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unable to get my Experian and XXXX credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for Experian. No contact information is supplied for XXXX. 

I have tried and failed to speak with someone at both Experian and XXXX. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 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 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MI

Complaint narrative:
The debt is a fraudulent attempt to collect money NOT owed. I was never deliquent on rent nor did I stay after move out day. There were also NO damages to the property and the complex refused to accurately investigate and claimed the staff changed and they did not have documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I would like the following accounts removed from my credit report for violating my rights 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  Thank you for your help in this matter.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I would like the following accounts removed from my credit report for violating my rights : XXXX of XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: World Acceptance Corporation
State: IN

Complaint narrative:
World Finance XXXX XXXX 
I have disputed this account because it was opened fraudulently. XXXX is leaving this up to furnisher who is World Finance to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. World Finance has asked for a copy of my ID. This has been submitted to XXXX to submit to them several Times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi sent me a promotion where if I deposit new funds for {$50000.00} ( 3 checks from outside institutions- NOT CITI BANK- consisting of {$43000.00}, {$5000.00}, and {$2000.00} on XX/XX/XXXX were deposited at Citi Bank and transferred to a new Citi brokerage account ) within 2 months of opening an account or funding my existing account, enroll in Citi Personal Wealth Management account in e-delivery of statements within 2 months of opening an account and maintain the new funding through the end of the following month, I would receive {$500.00} by XX/XX/XXXX. 

I met all these requirements. I called Citi on XX/XX/XXXX and verified I completed the requirements and that my checks were deposited correctly and that my brokerage account was opened correctly for the bonus. 

The brochure promised that I would receive {$500.00} no later than XX/XX/XXXX, but I never received the bonus! 

I called Citi ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that I was eligible for the bonus and should have received it. Yet, I have not received the {$500.00} bonus.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
According to the Fair Credit Reporting Act, Account Name : XXXX XXXX, with Account Number : XXXX has violated my rights in multiple ways! 

I've received a letter in the mail from them saying that they have verified my information, but it is COMPLETELY wrong according to my credit report. The FCRA : 15 U.S. Code 1681s2, states that A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681b States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given XXXX  XXXX written instructions to put this on my credit report, nor do I have a contract with XXXX XXXX ( which I've requested to see and have yet to get ) This is the same company XXXX XXXX XXXX ), that the CFPB filed a federal complaint against and WON! 

It is not fair that these people keep calling, harassing me and impacting my credit in a negative way with their false information. It is also illegal according to my lawyer, as well as the FCRA. 

XXXX has deleted this and I would like for Transunion and XXXX, to do the same due-diligence and delete this account.

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 2022-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I purchased a vehicle back in XXXX and the finance company that financed me was Global Lending Services. I paid {$5000.00} down for my XXXX XXXX, I also purchase a warranty. 3 weeks after purchase I began to have major mechanical failure. I contacted the warranty company and found out Global lending failed to verify that the dealership did everything they were supposed to on their end including making sure payment was made for the warranty. The warranty added XXXX to my loan. 

I was without a car longer that I should have do to a delay in finalizing the warranty. 
The issues arose because I missed almost a month of work. My payments are up to date. 
My first payment was do XX/XX/XXXX I started receiving calls about 2 weeks after my first payment was due. After I started receiving multiple calls during the day during my work hours I requested a cease and desist. I explained that I just returned to work and it was inappropriate for Global lending services to call me multiple times a day almost everyday. The representative I spoke with I asked her to update my address because my permanent resident is in Florida because that is where Im licensed. I travel for work. My address was never updated and the representative did state she noted my account to not contact me by phone and she said I would receive written correspondence via mail from them. 
A few days later I started back receiving calls. I received calls from multiple numbers for Global Lending Services. On today I answered a call the person didnt say anything when I said hello. Then I received another call. The person said her name was XXXX and she needed to speak to me. I asked her to identify who she was and stop telling me her name is XXXX. She then said she was calling about my vehicle and she was from Global Lending Serviced and I told her that their is no reason anyone should be calling me. My account is paid and I kept repeating cease and desist. I told her that I should not be getting calls and its to the point it is harassment. I ended the call. I also wanted to note that even when I called prior to my date to get help with Global lending doing their party and contacting the warranty company and dealership to see what was going on with my warranty. The first thing a representative would say is am I calling to make a payment. I explained my payment wasnt even due yet. My car payments were reflected in the amount that included my warranty. If I had no warranty then no payment. Also, when I try and make payment on my account via online their is always a error message as if they are trying to force me to call them. So my payment are made by mail and or XXXX XXXX.

Company response to consumer: Closed with explanation