vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: MS

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXXXXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX CO XXXX AZ XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over two years and they continually re-add these items to my Transunion, XXXX and XXXX reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have been unable to access my Coinbase account for over 11 days now due to problems with two-factor authentication. It is stuck on using XXXX XXXX as the two-factor authentication. Unfortunately, my old mobile phone stopped working before I could setup Authenticator on my new phone. I learned that there is no way to setup XXXX XXXX on your new phone without having access to your old phone. 

I spoke to Coinbase customer support on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. I asked them to switch the two-factor authentication back to using SMS messaging since I have access to my phone number and email account. I sent a picture of myself and my driver 's license which were confirmed. I was told I had XXXX hours to change the two-factor authentication. However, I was unable to change the two-factor authentication from Authenticator to SMS message like customer support said I should be able to do. I was prompted to enter an Authenticator code to switch back to SMS message as my two-factor. After multiple attempts, including while speaking to a representative live on the phone, the same problem kept occurring. I was told there was no way for Coinbase to make the change for me, I could only do it myself. 
On XX/XX/XXXX, I was told that Coinbase actually could change on the two-factor authentication on the backend. I was sent a link to upload a selfie picture while holding a sheet of paper with the date written on it. That was XXXX week ago, and I have not heard back from them. This has not only been frustrating ; however I have also lost confidence that I can access my money in the form of cryptocurrency on this exchange. 
I told them to just switch the two-factor authentication back to SMS. I am tired of excuses and just want access to my account restored. I have attached screen captures from my email inbox showing some of the customer support communication. 
While a significant amount of time and effort has been spent, these efforts have not achieved access to my account to change the two-factor authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.

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 2023-02-13 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: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Genesis credit management reported a collection to my XXXX and XXXX credit report. This account ( copperwood apartments ) was included on my XXXX XXXX XXXX bankruptcy. I've called and given them the proper paperwork XX/XX/XXXX. XX/XX/XXXX I called and the confirmed the account was closed and they would remove this account from my report completely. This account is still on my credit report but it is showing no balance. I need it removed completely as it was discharged and and to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal has been sending me harassing emails regarding a small charge on a closed credit card associated with an account that was hacked and which I am unable to access. They refuse to take any form of payment online or confirm the payment of the debt and I am unable to see the actual charges on this credit card. They have been reporting this debt to my credit reports despite it clearly being a phishing scam that only demands my debit card number over the phone. 
The account is a Synchrony Bank XXXX account that ends in XXXX and the PayPal account associated with it is XXXX which has been hacked and closed by other people without my permission.

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 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
To whom it may concern at CFPB, I need your assistance my home is in the process of possible foreclosure due to nonpayment according to Carrington Mortgage company this is false. I have all bank statements of cleared payments every month with the exception of one or two payments due to XXXX XXXX and unemployment. I have paid every month with diligence. I have always paid through my current bank for convenience. I have noticed my payments were not getting cleared after submission they take a week each time. and each time placed late fees. I tried their website for fast payments it does not facilitate access it is stating there is something wrong with the account number. As of XX/XX/XXXX, they have stated I have not submitted payments or back pay owing the amount of {$10000.00} which are false statements. In my 20 years of being a homeowner, I have not had to deal with such poor management of consumer finances. A, XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX has contacted me by mail in XX/XX/XXXX, attorney representatives of Carrington Mortgage, to address the missed payments. At their convenience, all of my payments have been fraudulently placed as late or missed. I have ALL of my bank statements stating this is false. I have called the attorneys for Carrington and submitted all statements and disputes. For the Month of XX/XX/XXXX, I submitted my payment as usual, and 2 weeks later it was refunded. Why? So, I sent another payment ( by mail and original check ) on XX/XX/XXXX obviously late, it is XX/XX/XXXX and has not cleared through my bank account. Where is my money?? If there is anything possible to correct this I am more than appreciative. This company is horrible and needs to be eliminated from the Lender 's list they are not here to help anyone. 
Best regards, Concerned Mortgage payor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Purchased an A/C unit & installation through a Company that uses Ally Lending. Ally has a small window to make an " on time " payment when due. My due date is XXXX of the month. If payment arrives in the month due before that date, they process it as an extra payment. charge acct. with late fee because the payment didn't arrive on the XXXXthey may take 1-3 days to process it!! they have a consecutive 4day grace... not business days & they don't account for holidays. If it gets there on the XXXX of the following month its an extra payment! plus a late fee. Its a gamble of delivery! 
I receive pension funds on the XXXX of the month ( unless it falls on a weekend/holiday paid earlier ) SS on XXXX XXXX, paycheck every two wks on XXXX Funds aren't always available to send on a date to arrive on time! I've asked to change the due date to the XXXX or the XXXX answer NO. They are taking advantage of mail delivery & inter-banking delivery time to charge Late Fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TX

Complaint narrative:
I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

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 non-monetary relief
Consumer complaint received 2023-02-13 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: TX

Complaint narrative:
I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account.

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: DC

Complaint narrative:
I sold an XXXX XXXX to someone and they paid me via Venmo and used the XXXX XXXX feature offered by the company. Purchase protection protects the buyer and seller. It " can help prevent you from losing money due to unauthorized transactions or claims that the buyer never received their purchase, '' according to Venmo 's website. 

A few days later, the buyer decided to dispute the purchase and Venmo froze my account and told me to reimburse Venmo for {$1000.00} - the sale price of the XXXX. 

I provided Venmo with proof of the transaction and Venmo said they would investigate it. Venmo indicated that the buyer filed a dispute with their credit card and the credit card found in favor of the buyer. Venmo wants me to pay them the balance despite the fact that their own Purchase Protection program is supposed to prevent exactly this.

Company response to consumer: Closed with monetary relief