vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: PR

Complaint narrative:
On XXXX I call XXXX XXXX XXXX  to ask for a 4 grace period due to the fact that I was getting retire and with the money I was receiving I wasnt able to pay for the month of XXXX XXXX XXXX and XXXX. The customer service representative told me that she was going to put my two credit card that I have with them on hold for those months so I didnt get any late payments fees and she said that I was supposed to be ok with that. She said that after I started having my retirement payments that I could start paying them. So I did what she said and now that I see my credit report I saw that they put me 4 late payments on each card saying that I have late payments for 150 days. 4 late payments on the card that ends on XXXX and the other credit card that ends on XXXX. On the other hand they didnt gave me any paperwork for these agreement.

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 2023-10-13 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: PR

Complaint narrative:
On XXXX I call XXXX XXXX XXXX  to ask for a 4 grace period due to the fact that I was getting retire and with the money I was receiving I wasnt able to pay for the month of XXXX XXXX XXXX and XXXX. The customer service representative told me that she was going to put my two credit card that I have with them on hold for those months so I didnt get any late payments fees and she said that I was supposed to be ok with that. She said that after I started having my retirement payments that I could start paying them. So I did what she said and now that I see my credit report I saw that they put me 4 late payments on each card saying that I have late payments for 150 days. 4 late payments on the card that ends on XXXX and the other credit card that ends on XXXX. On the other hand they didnt gave me any paperwork for these agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: PR

Complaint narrative:
On XXXX I call first premier bank to ask for a XXXX grace period due to the fact that I was getting retire and with the money I was receiving I wasnt able to pay for the month of XXXX XXXX XXXX and XXXX. The customer service representative told me that she was going to put my two credit card that I have with them on hold for those months so I didnt get any late payments fees and she said that I was supposed to be ok with that. She said that after I started having my retirement payments that I could start paying them. So I did what she said and now that I see my credit report I saw that they put me XXXX late payments on each card saying that I have late payments for XXXX days. XXXX late payments on the card that ends on XXXX and the other credit card that ends on XXXX. On the other hand they didnt gave me any paperwork for these agreement.

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 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd

Complaint narrative:
I opened a Wise account on XXXX XXXX and everything worked fine until XXXX XXXX when Wise deactivated my account for no reason. 
So I appealed and followed the instructions to make a request. 
My account was blocked from that date and no money came in. However, I still have money in my account. 
After making several calls, sending a complaint directly to Wise and calling customer service several times, I still have no answer. 
After several calls, they haven't been able to tell me the reasons for closing my account, and that with the appeal form I was at least going to be able to transfer the money from this account to another account. 
To date I've had no news, no way of transferring my money and they've given me no solution. 
i'm desperate and don't know what to do, i need this money for my business. 
Normally they have to give a reply within 14 days, and I've still got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
To hum this may concern. I XXXX XXXX did not open this credit card account from That was open XX/XX/XXXX. MCM is trying to collect on it. Someone was making payment on the card. till XXXX. It was charged off in XXXX. I have never heard about this card until Now. McM phone number XXXX. When you get this handled, please call or email me at XXXX or XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have requested to update my personal address with copy of my drivers license. Ive requested deletion of all old addresses because i can not receive mail, i have no correspondence, nor do I have any access to these old addresses. I would like to be treated fairly and exercise my right to privacy.

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 2023-10-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Commencing on or about XXXX XX/XX/2023, I fell victim to multi-layered scam operation run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).

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 2023-10-13 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX  ran my credit with ; Trans Union, XXXX and XXXX Trans Union, XXXX and XXXX then sold my information to mortgage lenders. Today, XX/XX/, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX, i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted XXXX credit bureau XXXX transunion credit bureau and XXXX XXXX credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit 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 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Credit Services
State: TX

Complaint narrative:
In XX/XX/, I received a collection notice from General Credit Services regarding an alleged debt of XXXX. I immediately disputed the validity of this debt by sending a certified letter requesting debt validation, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Despite my formal request for validation within the legally mandated 30-day period, General Credit Services has failed to provide any documentation or proof that I owe this debt. They have not furnished any information regarding the original creditor, the debt amount, or any supporting documents. 

This lack of cooperation from General Credit Services has not only left the debt unverified but has also raised concerns about potential violations of my rights under the FDCPA. The absence of any substantial response or evidence of the debt 's legitimacy has led me to believe that this debt may not be valid. 

I am seeking a resolution to this matter that involves the complete dismissal of the debt and an acknowledgment of the failure to comply with the FDCPA 's requirements for debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
On XX/XX/, there were multiple unrecognized transactions going through my Apple credit card. I immediately contact the bank customer care and report this problem and disputed these transactions. However, almost the 3 transactions that I disputed, there was one that dose not get approved. The amount of this transaction is XXXX I disputed it again and again but the result keep coming back denied. The company send me a documentation regarding the transaction that " prove '' that I make the transaction. However, the document they sent me clearly demonstrate that the billing email, the billing name, the phone number, all did not belong to me to my family member. There should be no way they should approve this transaction and further declined my dispute request while I did not authorize or issue this transaction. I just now disputed the same transaction the 4th time, and issuing this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
On XX/XX/2023, I went to the store located at XXXX XXXX XXXX XXXX TN XXXX. I stated I was having some financial hardship and I needed them to remove the XXXX payments from my account. I was told by XXXX ( store XXXX ) that he did but for me to understand that the company had a right to resume them if the account became delinquent. At this time my account is not delinquent and they can not resume a service that I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-13 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.

Complaint narrative:
INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX XXXX WHICH I OVERPAYED AND PAID EARLY IN XXXXTHIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND XXXX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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:
The credit bureaus stated my account was properly investigated in prior disputes. However this is not tru because the open date is inaccurate, the date of last active is inaccurate and date of last reporting is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 A States I have the right to privacy 15 U.S.C 1682 Section 604 A Section 2 : It also states A consumer reporting agency can not furnishs a account without my written instructions. 
Also this credit bureau took more than 30 days to complete my investigation and respond to the previous CFPB complaints. 

I have sent several documents that prove my identity, experian is stalling the investigation and refuses to validate and verify the disputed information. This is my final attempt for you to remove the inaccurate items before i contact a consumer law attorney and press charges and sue for punitive damages in federal court of at least {$1000.00} for every violation for inaccurate reporting. I have all certified mail receipts and will sue to the fullest extent if these items are not removed immediately. SEE ATTACHTMENT AS MY FINAL ATTEMPT BEFORE INITIATING A LAWSUIT FOR DAMAGES

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 2023-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have a checking account and a savings account with Chase.

I learned today that Chase has been deducting a $ XXXX service fee from my savings account since XXXXXXXX XXXX XXXX, despite my having both types of accounts. ( see XXXX XXXX XXXX XXXX I spoke to Chase 's customer service representatives who acknowledged that the accounts should have been linked and reversed one of the fees, but not the other XXXX. I asked to speak to a supervisor who told me that they could only reverse one fee of this type per calendar year. I asked them if there was anyone at Chase who would be able to review this and was told that they did not have a supervisor available and that even a supervisor would be unable to reverse the other improper fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Gemini account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX XXXXXXXX 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 I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX XXXXXXXX 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 I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX Account Number:XXXX Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I was XXXX  and XXXX. Besides my wallet containing my I.D, XXXX, XXXX card and money my IPhone was stolen and XXXX ID compromised. The robbers has access to all my personal files including my social security number, dob, financial files, etc. This is how they were able to transfer money from my bank account to XXXX XXXX and open and access a variety of loans and credit cards. Ive contacted Affirm to XXXX and theyve neglected to close the fraudulent account and impeded the fraudulent transactions. They have failed to contact the XXXX XXXX. Because of them my credit score dropped. When I initially contacted them the charges were {$420.00}. I have two detectives from the New York XXXX XXXX that can verify the incident from surveillance. Detective XXXX and XXXX XXXX. My complaint number is XXXX XXXX XXXX XXXX. FTC complaint number is XXXX. Please assist me with closing the account and reporting these fraudulent activities. I never authorized XXXX  charges on XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation