vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ACCOUNT # XXXX XXXX Mortgage gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXXXXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXX XXXX started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXX XXXX 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXXXXXX XXXX  about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
ACCOUNT # XXXX XXXXXXXX XXXX gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXXXXXX XXXX started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXX XXXX. 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXX XXXX about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.

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 2022-11-26 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: WA

Complaint narrative:
I have numerous hard pulls on my credit as my identity has been compromised. 
no money was misplaced or mishandled but myself XXXX XXXX was listed as an owner of XXXX XXXX which i don't recall giving it out as my personal information as i have never been involved in 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 2022-11-26 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: OK

Complaint narrative:
Back in XX/XX/2021 I sent a certified formal dispute to XXXX TransUnion and XXXX regarding fraud accounts open under my name. Ive sent in A verify police report picture of driver license bank statement to show my identity, prove I am the person. Per 605B. 15 U., S.C. 1681c-2 Requesting the listed accounts be blocked off my police report due to fraud, Idenity theft. Its obvious that none of the Credit Bureau took my dispute seriously Because the never addressed my concerned and are sent me a detailed reasoning and justification of not blocking these items off my credit report. I believe my due process rights were, has been violated by these companies.

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 2022-11-26 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: OK

Complaint narrative:
Back in XX/XX/2021 I sent a certified formal dispute to XXXX XXXX and Experian regarding fraud accounts open under my name. Ive sent in A verify police report picture of driver license bank statement to show my identity, prove I am the person. Per 605B. 15 U., S.C. 1681c-2 Requesting the listed accounts be blocked off my police report due to fraud, Idenity theft. Its obvious that none of the Credit Bureau took my dispute seriously Because the never addressed my concerned and are sent me a detailed reasoning and justification of not blocking these items off my credit report. I believe my due process rights were, has been violated by these companies.

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 2022-11-26 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: MI

Complaint narrative:
Experian is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt notice of dispute to furnisher of information. 
( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

On XX/XX/XXXX and XX/XX/XXXX I received dispute completion notices from Experian stating that my information remains, after I initiate a dispute of their reinvestigation process knowing that they did not contact US Bankruptcy court in reference to inaccuracy of bankruptcy listed on my credit report. I stated that Experian is in violation of said law : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX -This date is incorrect/inaccurate Date resolved XX/XX/XXXX -This date is incorrect/inaccurate Responsibility Individual Reference number XXXX -this number is inaccurate Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX Address XXXX XXXX XXXX XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX This date is incorrect/inaccurate Responsibility Individual Reference number XXXX - this number is inaccurate Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/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 2022-11-26 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: NV

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Coinbase letter To Whom This May Concern, Last XXXX, Coinbase, in basic terms, stole money from my account by not allowing me to execute a sale of one of my investments which lead to around {$65000.00} being taken from my account within an instant. I have done many trades and transactions with Coinbase over the years but have never run into an issue like this. Ill give a summary of what happened first then get into more detail after. The coin I was trying to sell at a locked in price would not go through their system. I had notice that people were selling the coin as it had been popular at the time and so I tried to sell it and keep my profit, however their system must have been malfunctioning because as I went to sell it would not let me. I kept trying and trying and the price kept falling as the minutes ticked by but Coinbase would not let me sell. Eventually it dropped to a price so low and the sale was actually forced through by Coinbase, causing me to lose the amount stated. I have screenshots of this that prove it and have talked to Coinbase many times over many hours where they have admitted on record to seeing the problem but they never are allowed to let me speak to someone ahead of them like a higher up. Instead they always say Coinbase will get back with you and within minutes, without fail Coinbase dismisses my case. Despite all the evidence I have and their admissions to seeing the problem. 

The original intended sell was of XXXX of XXXXXXXX XXXX eventually went through on face value but in reality just sat in my account despite saying it successfully went through with no error codes. On XX/XX/XXXX at XXXX I sold XXXX XXXX and it shows " Completed '' with all of the information that goes with a completed sale, EXCEPT I later found out that it wasn't completed for some reason, due to your system ( Not my fault, nor my responsibility ). After discovering Coinbase 's mistake I kept trying to sell the XXXX XXXX while it continued to fall in value resulting in a loss of profit in excess of {$65000.00}. Should I not trust when Coinbase says an order has " Completed '' that it actually has completed? 

When I see an order is completed I feel I should be able to close my computer, go on a XXXX vacation and rely that the order actually completed. 

This is a very concise letter explaining everything but I can go into far greater depths than this in explaining what happened. I have reached out to a representative of the FTC and he told me that this is a common occurance and to reach out on here for a resolution. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CBK, Inc.
State: KS

Complaint narrative:
I was garnished by a collection agency in XXXX of XXXX. Upon further investigation by me I found out that this debt was lumped together so that the Court would not know that the outstanding debts were filed XXXX years previously under case no XXXX and that the debts were " Statute Barred '' under the Limitations Act of 1980. Some debts were from XXXX and had been dismissed. On XXXX, XXXX XXXX XXXX ruled that case would be dismissed for lack of prosecution on XX/XX/XXXX and that the case not be reinstated. I filed Kansas Open Records Request with XXXX XXXX XXXX and they had a very hard time explaining to me how the records and fines did not correlate with the records tha CBK filed with the Courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: WA

Complaint narrative:
My complaint is going to Transunion Credit Bureau, I have sent you dispute for this issue numerous times, but looks like you completely disregard it. 
I'm not using any third party for this matter that you been tried accuse me with. 
ONLY YOU BUREAU HAS REPORTED THIS ACCOUNT ON MY REPORT, HOW TWO OHERS BUREAU REMOVED THIS FRADULENT ACCOUNT AND YOU KEEP SAYING It HAS BEEN VERIFIED???? HOW IT IS POSSIBLE IF YOU SEND MY DISPUTE TO THE SAME MERCHANT/CREDITOR LIKE TW OTHERS BUREAU ? ?? 
All that means YOU DID '' XXXX DO ANY FAIR INVESTIGATION. 
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
I'm sending this dispute to the Attorney General as well, so I'm exploring ALL MY RIGHTS.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been trying to get the closed accounts off of my credit report because its causing my credit to stay low and I demand for all of the closed accounts to be off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 

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

15 U.SC 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 2022-11-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
RMS ( Recovery Management Services , Inc. ) XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I wish to request a substantiation and validation of debt. RMS is using false, deceptive, and misleading representation in connection with collection of this alleged debt. I dispute this inaccurate alleged debt from RMS.

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 2022-11-26 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX have violated my rights. 

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

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

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 2022-11-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I used my apple card by Goldman Sachs to purchase an XXXX XXXX XXXX  from apple with XXXX interest financing. I elected to trade in my old phone at that time. When my phone arrived I was given a box and shipping label to ship back my old phone for trade in, which I did. My trade in allowance of {$640.00} was credited to my account on XX/XX/19 but instead of being applied to my no interest installment account for the new XXXX it was accidentally applied through no fault of my own as a payment to my account. This made my account have a positive balance of + {$640.00}, even though I have an installment balance of - {$1100.00} for the new iphone. The apple card specialists have informed me that there is NO way for me to apply my positive balance to my negative installment balance, they can not write me a check or give me any sort of refund for my positive balance, and there is no way for me to pay off my installment balance whatsoever. The only thing I can do is wait for my monthly installment payments to slowly drain away the positive credit on my account, month to month. I can not pay off my phone early, there is no way for me to make an additional payment to apply to my installment. Because of a mistake on their end they are trying to force me to either use up my credit balance with purchases which I never intended that money to be used for, or to wait for months or years for that money to be slowly drained by monthly automated installment payments. This would in effect mean that they are holding my money, interest free and forcing me to carry a balance that I dont need, havent agreed to, and could easily be paid down if they simply applied the money that is already in my account to the installment balance which is also on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OH

Complaint narrative:
I had unauthorized charges toward my cashapp account and they denied my claim twice. The charges were from XXXX XXXX they charged my account for {$50.00} 15 times within 4 minutes. On XXXX XXXX, I went to the ATM to get out {$200.00}, upon receiving that {$200.00} and my receipt I saw my balance was less then it should have been with the money I removed. I then looked at my cashapp and saw that in between me at the atm which was around XXXX XXXX  XXXX, that the unauthorized purchases from the merchant above happened from XXXX and XXXX XXXX. I immediately locked my card when I saw this and cancelled it and requested a new card. I then contacted cashapp to dispute the fraudulent activity. They denied my claim in the 3 day investigation, I called multiple times to speak to a manger or find out why it was denied but no one would give me clear answers or get me a manger. On XX/XX/2022 I spoke with a rep that eventually hung up on me not helping resolve my issues when I called back I spoke to another representative that was able to put the case up for a second review. On XXXX XXXX I received an email that the claim was once again Denied. I dont know who this merchant XXXX XXXX is or how they got my information to charge my account, it was not me and my hard own money was taken and cashapp would not assist me. At this point I feel like cashapp if fraud and they took the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Identity theft report was submitted to company as I never opened this account, yet they continue to fraudulently report it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation