vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mistakenly sent XXXXXXXX XXXX  ( ~ {$1500.00} ) from my XXXX XXXX  to a Coinbase wallet that was labeled as supporting XXXX. However, it was not clearly indicated at the time that XXXX was only supported on the XXXX XXXX not XXXX. 

Since then, I have been in continuous contact with Coinbase for over XXXX years requesting retrieval of my funds. 

Initially, Coinbase claimed my XXXX was not retrievable. 
Later, Coinbase introduced an asset retrieval service but stated that XXXX assets were not supported. 
Eventually, they confirmed XXXX asset retrieval was supported, only to reverse their stance again, citing security reasons. 
Despite this, in XX/XX/XXXX, Coinbase moved my XXXX from their receiving wallet to another Coinbase-controlled wallet, proving that they have full custody and the ability to move the funds. 
I have provided clear proof that I own the sending wallet and have repeatedly requested the return of my XXXX However, Coinbase has continuously failed to provide a valid reason for withholding my funds, stating that they either " dont know '' or " cant tell me due to security reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
these inquiries were unauthorized and I am a victim of identity theft. the companies are TransUnion, Equifax, and Experian. 

XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
these inquiries were unauthorized and I am a victim of identity theft. the companies are TransUnion, Equifax, and Experian. 

XX/XX/XXXXXX/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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 XXXXXX/XX/XXXX Equifax consumer service XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 XXXXXX/XX/XXXX Equifax consumer service XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I do not recognize these credit inquiries and I asked for them to be removed and the bureaus did not do as I ask I am providing an identity theft report that I will attach to this I am requesting them to be removed because they are inaccurate and not mine I attached the inquiries

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX  letter was sent to Experian. TransUnion and Equifax to address everything on my credit report.15 USC 1681 ( 5 ) pertains to the completeness and accuracy of information in a consumer 's file at a consumer reporting agency. If a consumer disputes the information, the agency must conduct a reasonable reinvestigation within 30 days to determine accuracy or delete the item from the file. The provision also excludes certain adverse items of information that antedate the report by more than seven years.

15 USC 1681e ( b ) requires consumer reporting agencies to make a reasonable effort to verify the identity of a new prospective user and the uses certified by such user prior to furnishing a consumer report. It also mandates that the plaintiff must present evidence that the credit report is inaccurate. Not accurate please remove from my credit file

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX  letter was sent to Experian. TransUnion and Equifax to address everything on my credit report.15 USC 1681 ( 5 ) pertains to the completeness and accuracy of information in a consumer 's file at a consumer reporting agency. If a consumer disputes the information, the agency must conduct a reasonable reinvestigation within 30 days to determine accuracy or delete the item from the file. The provision also excludes certain adverse items of information that antedate the report by more than seven years.

15 USC 1681e ( b ) requires consumer reporting agencies to make a reasonable effort to verify the identity of a new prospective user and the uses certified by such user prior to furnishing a consumer report. It also mandates that the plaintiff must present evidence that the credit report is inaccurate. Not accurate please remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My Robinhood account has been restricted since XX/XX/year> without a valid explanation. I have called multiple times, and each day, the app displays a banner stating that I will receive an answer by a specific date ( e.g., XX/XX/XXXX ). However, when that date arrives, it keeps getting pushed back to the next day without resolution. 

I have provided all requested documents, including my ID, checking account statements, and live video selfie. Despite this, Robinhood representatives can not give me a clear answer regarding why my account is restricted or when it will be resolved.

This ongoing delay is preventing me from accessing my funds and investments. I am seeking immediate resolution and regulatory intervention to ensure that Robinhood provides a transparent and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I am writing as a follow-up to my previous complaints in which I formally disputed inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a response or resolution regarding this matter. 
The inaccuracies pertain to a closed account with XXXX specifically : The " Date Last Active '' is incorrect. 
The " Last Reported Date '' is incorrect. 
These discrepancies are a violation of the FCRAs requirements for accurate and verifiable reporting and may negatively impact my creditworthiness. 
As stated in my original letter, I kindly request the following actions : Investigate the inaccuracies noted above. 
Permanently DELETE the XXXX account from my credit reports due to the reporting errors. For your reference, I have enclosed a copy of my original dispute letter, along with identification, proof of address, and relevant supporting documentation. 
XXXX XXXX XXXX : {$0.00}

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 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
Atlantic Bay is continuing to have erroneous comments reappear on my credit report that Im disputing my account with credit reporting when I am in fact not. This is erroneous and Atlantic Bay needs to stop doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am writing to formally request the full cancellation of my XXXX XXXX XXXX due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized disclosure of my personal and financial information. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

As a result of this violation, my personal and financial data were compromised, putting me at risk of fraud and identity theft. Given that my information was mishandled in a way that directly impacts my student loans, I believe I am entitled to relief under federal law. I am requesting full cancellation of my student loan balance as a resolution to this matter. 

Please consider this letter as my formal request for loan discharge under any applicable provisions, including XXXX XXXX to XXXX or other XXXX XXXX  programs.If additional information is required, please contact me at your earliest convenience. 

I appreciate your prompt attention to this urgent matter. I look forward to your response.

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 2025-02-10 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: NJ

Complaint narrative:
I am writing as a follow-up to my previous complaints in which I formally disputed inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a response or resolution regarding this matter. 
The inaccuracies pertain to a closed account with XXXX specifically : The " Date Last Active '' is incorrect. 
The " Last Reported Date '' is incorrect. 
These discrepancies are a violation of the FCRAs requirements for accurate and verifiable reporting and may negatively impact my creditworthiness. 
As stated in my original letter, I kindly request the following actions : Investigate the inaccuracies noted above. 
Permanently DELETE the XXXX account from my credit reports due to the reporting errors. For your reference, I have enclosed a copy of my original dispute letter, along with identification, proof of address, and relevant supporting documentation. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I am writing as a follow-up to my previous complaints in which I formally disputed inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a response or resolution regarding this matter. 
The inaccuracies pertain to a closed account with XXXX specifically : The " Date Last Active '' is incorrect. 
The " Last Reported Date '' is incorrect. 
These discrepancies are a violation of the FCRAs requirements for accurate and verifiable reporting and may negatively impact my creditworthiness. 
As stated in my original letter, I kindly request the following actions : Investigate the inaccuracies noted above. 
Permanently DELETE the XXXX account from my credit reports due to the reporting errors. For your reference, I have enclosed a copy of my original dispute letter, along with identification, proof of address, and relevant supporting documentation. 
XXXX XXXX XXXX : {$0.00}

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 2025-02-10 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation