vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account # XXXX date opened is different from transunion then XXXX transunion date opened XX/XX/XXXX XXXX  date opened XX/XX/XXXX high credit amounts are different high credit different is from transunion then XXXX  transunion high credit is {$6500.00} XXXX high credit is {$0.00} date of last active are different trasunion last active is XXXX XXXX  last active is XX/XX/XXXX please delete account for multiply inaccuracies.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC
State: MD

Complaint narrative:
I paid off Greensky loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a XXXX balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded Greensky XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
Greensky is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
* XXXX Received an email notification from our credit monitoring company, XXXX, that a dormant Union Bank credit card has recent activities on it. Called the bank on same day and found out XXXX fraudulent transactions for amount of {$980.00} were placed in XXXX. The representative said he will report to Fraud department and it should be taken care of within 30 days. 
* Received a letter on XX/XX/2022 that they are looking into this matter and will contact us if additional info is required. Also the original card was closed and a new card was issued, but the balance of fraud transactions along with added fees and interests ( {$37.00} ) were placed on the new card. 
* Received a collection letter on XXXX XXXXXXXX XXXX asking to pay a minimum payment of {$40.00} for the balance of {$1000.00}. Realizing that a phone call may not suffice, submitted an official certified dispute letter dated XXXX XXXXXXXX XXXX disputing the fraudulent charges and mailed to the address outlined in the back of the statement. 
* Received another collection letter dated XX/XX/XXXX and XX/XX/XXXX. Called Collection department several times stating that the fraud charges are under the investigation, however, the representatives informed us that their department does not communicate with other departments and referred us back to their customer service or fraud department. Between XX/XX/XXXX and XX/XX/XXXX, left several messages to a XXXX at the fraud department with no avail. We were also given the run around when we contacted the customer service department. 
* On XX/XX/2022 our credit score dropped XXXX points to XXXX due to late payment/past dues for this credit card. 
* Wrote a XXXX official letter dated XX/XX/XXXX, requesting a quick resolution to this matter and to contact the credit agency to repair the damage. 
* On XX/XX/2022, we received a letter from fraud management services stating the credit was given for all the unauthorized charges. 
* Called the Customer service department on XXXX wanting to close the account, they informed us that the account has a balance of {$57.00} plus amount for all the fees and interest charges accumulated from the unauthorized charges. The representative said he will put a request to see if they can waive these charges, but we have to wait until XX/XX/XXXX to verify its approval.

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 2022-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Yesterday XX/XX/22 I walked into XXXX car dealership ( XXXX, Nc ) for a consumer credit transaction. After choosing the vehicle for me and my family I extended my credit to said dealer and they ran my SSN ( creditcard ) First they approved me contingent upon a down payment. 15 usc 1605 states there should not be any cash involved. After I mentioned that, said company then tried bringing down to a cheaper car. I said I need to speak to the person whom ran my credit so that I may explain that I AM THE CONSUMER AND ORIGINAL CREDITOR PROTECTED BY FEDERAL LAW! They wouldnt allow me to speak with them.They said they only speak with dealer which is deceptive and misleading considering it is an account that I the original person and consumer originated when I extended my credit. I tried calling the number on the inquiry of my consumer report but number was out of service and also the name was different than the general manager gave me. This is deceptive and misleading. So now ( Ally financial ) denied me the loan for my families vehicle but has opened an installment loan or bank account ( per my consumer report ) and has acces to my open ended credit account with out my consent which according to the FCRA is IDENTITY THEFT. I am not seeking anything unusual I just want my consumer credit transaction 100 % financed with zero fed notes or XXXX down for my families vehicle. I tried submitting complaint to company 4 times and it didnt go through. IAM AWARE THAT I AM THE ORIGINAL PERSON, AM THE CONSUMER AND ORIGINAL CREDITOR AND I AM PROTECTED BY FEDERAL LAW. I will continue to pursue legal action if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: MO

Complaint narrative:
I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: MO

Complaint narrative:
I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.

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 2022-04-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX # XXXX, has 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 a account without my written instructions.

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 2022-04-16 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: SC

Complaint narrative:
To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: SC

Complaint narrative:
To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate 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 explanation
Consumer complaint received 2022-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
For well over a month, I have been trying to get a resolution with funds accessibility issues relating to Coinbase and my account. 

Their app is unusable due to errors on their side with their system. This is causing great stress as I can not access my money or transfer funds to my bank from their exchange. 

XXXX, XXXX, XXXX, XXXX & XXXX are ticket numbers I have created with their support center. I have also signed up for their paid service to get support to no avail. 

They sell support services for their platform that results in no assistance. This in and of itself is stealing just as much as them not allowing me to access my funds. 

I have been a customer since XXXX  with them, This is the first time I have seen their services in this kind of condition. I am in the payments industry as a profession and can not believe they can operate a service and withhold people 's funds due to refusing to fix their system issues. 

The nature of their bugs makes the website inoperable and their mobile app is also not functional. This is gone on for far too long and it is causing personal stress because of not being able to access a significant amount of funds that is mine, not theirs. 

I can log in to the site, I can not see my balance it reports as $ XXXX. 

I can not see my transactions or portfolio activity as the graphs will not load. 

I can not send money to my bank, It says " You do not have any funds available to cash out right now. '' < -- This is incorrect. I do, their system is broken and I can not access MY MONEY. 
It also represents my balance as $ XXXX and does not show a numeric value. 

The mobile app continually says ... " XXXX XXXX '' despite logging in to it and working on XXXX out of XXXX pages in their app ( meaning I am logged in so there is no " XXXX XXXX '' really. It's related to the same $ XXXX dollar amounts that the website is showing, This is really getting serious as I need access to my funds. 
I work very hard to be able to invest and they are making this very stressful as I need access to my money now... & can't wait months for them to finally respond. 

Their ticketing system automatically closes tickets ( despite them not being really resolved ). 
This is very concerning and an intervention is needed with them to help me resolve this. 

The balance being held back ( my money ) is significant enough value to take legal action to get a resolution. They need to be responsive. 

CFPB please help, I know I am not the only person reporting such issues. 
It's a big issue and they are not addressing it. 

They have a very poor track record of taking care of customers. 
This is a bad sign for a Publically Traded company ... when many thousands of dollars are impacted on many users because of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
For starters I didnt see what I had signed until I took the XXXX XXXX I was given instead of paper contracts. I was promised a 14 % interest rate which ended up being 19 % on a $ XXXX vehicle. I was told if I didnt get an extended warranty the bank would not finance me. Much to my surprise when I finally printed the contracts there it was in bold letters, No need to get extended warranty to get financed? Lies and more lies. Ive paid $ XXXX in XXXX yrs. and only XXXX has gone down. Hows this even possible?

Theyre Predators! And now Ive been asking them to come and pick up the vehicle and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX # XXXX dated opened have different dates on XXXX and experian XXXX opened date XX/XX/XXXX experian opened date is XX/XX/XXXX high credit is different from XXXX then experian XXXX high credit is {$6500.00} experian high credit is {$0.00} date of last active is different from XXXX then experian XXXX last active date is XX/XX/XXXX experian last active date is XX/XX/XXXX please delete this account for multiply inaccuracies.

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 2022-04-16 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: MA

Complaint narrative:
Dear Experian today is XX/XX/XXXX Case # XXXX I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 
Also, when you responded to me with no explanation about the investigation results on the following dates XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 

Rule 9037 of the Federal Rules of Civil Procedure requires the redaction of specific personal identifiers ( i.e., social security and taxpayer identification numbers, names of minor children, dates of birth, and financial account numbers ), from any unsealed documents filed with the US Bankruptcy Court.

Please follow the rule 9037 or 11 U.S.C. 9037 - Privacy Protection for the US Bankruptcy court public records personal information.

After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be atta
ching my Social Security Card to verify my first and last name so please delete this bankruptcy.

I attached 8 supporting documents including my identification and the US postal service certified mail with the tracking number please check.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX we ( XXXX & XXXX XXXX ) issued a credit freeze request to all 3 companies due to news reports of online fraud. In XXXX we wrote letters to all 3 to lift the freeze off our accounts. I have confirmation letters from all three that cancels the freeze ; however, Transunion never did that. I have called, I have written numerous letters, etc. but I just tried to change my electric company to lower my rates and once again received this message : " We have been notified of a credit freeze by TransUnion credit agency and are unable to process your service request online. Please contact TransUnion at XXXX for more information and to remove the freeze. Once your inquiry has been resolved please re-submit your order here at XXXX  or call XXXX at XXXX to submit your order for this plan over the phone. '' I am XXXX XXXX XXXX. I can not deal with these people again. They lie. We cancelled this freeze 4 years ago. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX 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 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My Paypal account was hacked and money was sent from my account to a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I opened a checking account with Community Bank N. A. ( {$50.00} deposit ) about 1 year ago. A month or so after opening I tried to close it because they charge a monthly service fee. They said I could not close the account because I had a balance. So I just let it sit. I decided a month ago to withdraw the {$50.00} I had in the account and went online and had the bank send me a {$50.00} check, which I received and cashed. That is when things send bad. They bounced the check and charges a XXXX $ fee then they began charging XXXX $ a day for my account being behind. This is not fair and I want it stopped and the charges dropped. I an attaching the statements I copied from the bank..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights to privacy. 

15 U.SC 1681 Section 604 A. States I have rights to privacy.

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

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 2022-04-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights to privacy. 

15 U.SC 1681 Section 604 A. States I have rights to privacy.

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

Company response to consumer: Closed with explanation