vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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:
It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts. 

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages. 

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: RI

Complaint narrative:
I have a Coinbase Card, which I used to purchase 1 night at a hotel. However, I cancelled this order with the hotel and they processed a refund. But the refund never got credited to my Coinbase Card balance. Here is a summary of events : 1 ) I cancelled a transaction with a hotel on XX/XX/XXXX. The amount was {$170.00}.

2 ) After several weeks, no refund. I contacted the hotel and they said it could take 6 weeks or 2 months to receive refund.

3 ) After 2 months of waiting, I contacted Coinbase about refund. Case number # XXXX on XX/XX/XXXX. 
4 ) They replied that transaction was reversed on XX/XX/XXXX and that will be credited to my account as USD. 
5 ) I saw no record of the refund, so I contacted again and was advised to call XXXX ( XXXX ) XXXX and speak with " XXXX ''. 
6 ) I called on XX/XX/XXXX and she said that this issue was already escalated by me on XX/XX/XXXX ( I had never contacted Coinbase about this issue before XXXX, so I don't know where that came from ). 
7 ) XXXX said I must wait another 90 days ( from " escalation date '' of XX/XX/XXXX, or from now ... it's ambiguous ) for the money to be credited to my account. She did not have great English skill, and went for long pauses ( 30-seconds plus ) without saying anything. 
8 ) I contacted them again on XX/XX/XXXX and still have not received any kind of meaningful assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am missing one of my Wells Fargo Credit Card account on my XXXX Credit Report. My account from Wells Fargo : XXXX is not reporting on my XXXX credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.

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 2023-02-09 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: NY

Complaint narrative:
My personal, non public credit information has been breeches by Equifax and is now on the dark web. As a result there are many discrepancies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: OH

Complaint narrative:
I made a complaint in the month of XX/XX/XXXX about not knowing who P & B CAPITAL GROUP LLC is and what debt they're trying to collect. They sent a copy of a Promissory note which claims I received a payday loan from XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I lived in the state of XXXX. Both are not true because from XX/XX/XXXX - XX/XX/XXXX, I was living in and resident of the state of XXXX XXXX  and Payday loans or loans more than 25 % interest are ILLEGAL in New York. It is also ILLEGAL for a debt collector to collect, or attempt to collect, on a payday loan in XXXX XXXX XXXXXXXX. I've attached my W2 for XXXX, my last earning statement while living in XXXX and a XXXX XXXX  credit card statement which shows my previous address of XXXX XXXX XXXX, XXXX XXXX NY. P & B CAPITAL GROUP LLC has failed to check the accuracy of the information they received and is reporting inaccurate information to XXXX XXXX which hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: IL

Complaint narrative:
Ive disputed a US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( EXPERIAN AND XXXX XXXX confirmed the public record was verified by the court. I asked Experian and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

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 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 2023-02-09 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: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2023-02-09 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: TX

Complaint narrative:
Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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. There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.

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 2023-02-09 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: TX

Complaint narrative:
Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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  There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX was taken from my bank account through cash app. A lady posted on XXXX a question and I answered then she ask if I had cash app and I said yes, next thing I know my money is gone, I'm overdraft, my XXXX account was hacked and I couldn't even get on it. They used my name to try and get other people to scam into cash app, they ask me for XXXX to get my XXXX back and they apologized for doing what they did to me on cash app and said if I would give them the code to get back onto my XXXX account they would give me my money back..this is why I think they are working with the cash app company. When I filed a XXXX there were so many people that had complained about the same thing happening to them and was always denied there money back..I 've been trying since XXXX to get my money back ..Even tried to fake being a XXXX XXXX to get a code to get back on my XXXX after it took me forever to get XXXX to shut it down XXXX I figured there must be something on there they needed to hide, I couldn't even get back on it because they had it set up somehow that my phone wouldn't receive the codes I needed..there 's more pictures but I can't find them, she said her name was XXXX XXXX but I'm sure it's fake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX, they published and are sharing false information, about my credit history with FALSE documents, its causing a lot of damage with these collections that doest exists. I've been trying to apply for personal credit and for my business and even though I have great credit the banks weren't approving anything. I then did some research and discovered that since XXXX I have Collections that don't belong to me on my credit, and I am being harmed by this. My credit was from XXXX to XXXX. Now, because of XXXX XXXX XXXX actions, I am paying more for insurance, car loan, and my application for a new job position was denied because of my credit. I need to be a XXXX XXXX, but the license requirements needs a higher them XXXX credit. The collection refers to an apartment rental contract, but my name was removed from that contract more than a year ago, I have nothing to do with the open account with the company anymore, I have all the evidence, all the evidence that my name was removed from the contract, and this was reported in my name. The worse part, EQUIFAX has the Collection and its sharing with others agencys of credit but its all false information. 
This information is hurting a lot my personal credit. I had a lot of damage because all this company did not follow the law, they made a FALSE affirmation, completely out of the rules of FCRA, sharing false collections and harming my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case. 

My rights are being violated and preventing me from purchasing a home for me and my family. 

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, Transunion, and XXXX are all reporting inaccurate information causing me financial harm.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case.

My rights are being violated and preventing me from purchasing a home for me and my family.

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, XXXX, and Equifax are all reporting inaccurate information causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: GA

Complaint narrative:
I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case.

My rights are being violated and preventing me from purchasing a home for me and my family.

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. Experian, XXXX, and XXXX are all reporting inaccurate information causing me financial harm.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
i do not recognize these inquires nor did i approve them. I was not told about hard inquires not was i told my credit would be pulled XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-09 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: IL

Complaint narrative:
XXXX XXXX XXXX has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: CA

Complaint narrative:
I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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.

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX - XXXX... 
XXXX  XXXX XXXX - XXXX... 


I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
late fees, every time I would ask for late fees to be waved over the past 30 years they never would. poor pratice in handling money from a house firer claim for repairs. also I was change for the inspection by theri company during the XXXX {$120.00} when the inspector lied, they allowed the contractors to lie about the repairs on the house when it was not true, I asked the lost dept not to release anymore money to the contractor, they did anyway I had to pay {$10000.00} to have a lein removed by the contractor. which i signed a noe lien contract and Wells Fargo would not help me dispute this claim

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