vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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:
There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXXXXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX Amt {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$2200.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
Experian will not remove fraudulent charge offs on my credit report which I have provided evidence as well as disputed over 4 times each in writing for the same creditors. One of the creditors ( XXXX XXXX dealer services even provided me documentation stating their mistake which I submitted in dispute but expierian still has not removed account from file. On a dispute with XXXX XXXX, I expressed fraud 4 times in writing with certified mail and experian just continues to update file with no changes. During the submission period they break t he law my taking usually 45 days and not once sent me any s documentation from creditors showing evidence of validity

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 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/2020 Coinbase I can't transfer my ETH cryptocurrency ( currently approx {$18000.00} ) from XXXX to XXXX in order to sell and settle my position to cash out. It's frozen. It keeps saying that I have NOT clicked APRROVE WITHDRAWAL on my co-signer email address which is a double security measure. I've received such email links on both e-addresses and verified, but it STILL shows pending approval. Coinbase is pocketing my money just like banks tend to do. The longer the process give more leverage for Coinbase to use. Bottomline, I can't retrieve my funds. In my opinion, it's as if it's been stolen from me, since they do not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
N/a There are car places that sell u lemons an double charge u also after they reposes the car which is all they want they turn a round an an charge you on your credit which is very unfair also there are so many inquiries that I have not made an they are still on my file which has been demanded to be clear and that should be removed ASAP as if form of payment if payments was due they would want it diligently when my file has been in identify theft since the breach 2016 I have not inquired about anything nor should I be in XXXX XXXX  which is all not for the people

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 2021-02-22 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 — Investigation took more than 30 days
Company: GSA Commercial Asset Management
State: AZ

Complaint narrative:
N/a There are car places that sell u lemons an double charge u also after they reposes the car which is all they want they turn a round an an charge you on your credit which is very unfair also there are so many inquiries that I have not made an they are still on my file which has been demanded to be clear and that should be removed ASAP as if form of payment if payments was due they would want it diligently when my file has been in identify theft since the breach 2016 I have not inquired about anything nor should I be in XXXX XXXX which is all not for the people

Company response to consumer: Untimely response
Consumer complaint received 2021-02-22 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: DISCOVER BANK
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is Discover Bank. The inquiry date is XX/XX/2019. The bureau reporting is XXXX The company have failed to comply within 30 days. Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX XXXX and Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.

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 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX ( XXXX  XXXX XXXX Equifax XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX Equifax XXXX XXXX {$710.00} XXXX XXXX {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is Equifax, XXXX and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: SC

Complaint narrative:
Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX, Experian, and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.

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 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Tesla, Inc.
State: FL

Complaint narrative:
I sent XXXX XXXX ( {$1100.00} XXXX to this website : XXXX XXXX XXXX  I first heard of the website on a XXXX post on XXXX XXXX XXXX XXXX feed. Turns out it is a scam and now I lost this money and have no way of getting it back. The website says that it is hosted by XXXX, which is probably fake. 

The digital wallet that I sent my coins to had this address that is also on this website : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice 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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called citi bank in XXXX of 2018. I was told if I made a payment on the phone the amount would be automatically deducted from my debit card and applied to my balance. That didnt happen and I was forced to make the payment through the app as well. I needed to free up a certain balance on the card to make a payment. Turns out both transactions went through and it would have brought my debit card to below XXXX so one of them was declined. They came back and closed my account after I had spent over {$20000.00} in less than 12 months, never missed or had a late payment.

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 2021-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi i see inquiries that i dont recognize. I have reached out to the original creditors and they couldnt help me. I have sent a dispute before to you guys to delete these inquries I have no knowledge of. Please delete from my credit report or I will have to seek litigation. I did my research on the law and it stated per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was told if I set up auto pay and had a bank account with Wells Fargo that the interest rate would be less. Interest rate is 5.99 %. My loan started repayment XX/XX/XXXX, and I had about {$10.00}, XXXX balance. I am paying more interest each month than principal ( which is definitely not 5.99 % ... more like 55 % ) and the interest is not decreasing as principal decreases. As an example, I paid over {$1100.00} in interest last year and only {$460.00} in principal. I have called several times to see how I can pay sooner to get the principal lower and therefore pay less interest but can not get a straight answer. Since my payment is due on the XXXX of each month, I tried paying on the XXXX for the following month ( to pay ahead and therefore pay less interest ). They then still took the auto payment on the XXXX, which should have then been all toward principal ( but they still took interest ). I'm being told interest is compounded daily but the paperwork I have says APR and it was very misleading. They assessed a late fee when I wasn't late ( I had auto pay ) and the management has been horrible. Now, I received a letter that they are getting out of the student loan business ( which they should because they are ripping off students ) and selling the loan to XXXX XXXX, a division of XXXX as of XX/XX/XXXX. I feel they should be held accountable for their fraudulent practices and my account should be adjusted correctly. If I compare my Federal student loan ( which is at 4.66 % interest APR ), the computations are totally different between the two. Upon researching Wells Fargo, I see many complaints regarding their student loans and it isn't right that they are just getting away with it and selling out our loans to another firm ( although I am hoping that the management is improved ). I will be looking to refinance as well because I can not afford to be paying for a year and have paid twice as much interest as principal. Please 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 explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: KS

Complaint narrative:
I believe I am the victim of identity theft. I am a single mother, and trying to fix my credit score. Please let me know how I can

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
On XX/XX/2021, I received " important notice '' from Focus Financial Services, a debt collector. 
F.F.S. received my dispute letter on XX/XX/2021. 
Today, XX/XX/2021, I did not receive anything from F.F.S. so far. 
Is there a deadline by law that the debt collector have to respond to a dispute letter? 
Also, on the F.F.S. notice letter dated XX/XX/2021, I did not received enough information about the alleged debt. 
More so, I did not receive any information about all the info I was asking to F.F.S. on my dispute letter dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Debt validation was requested in regard to account. Company responded by sending false documentation that is construed to have come from original creditor but did not. Company did not validate debt and is still reporting false information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a collection letter by USPS from Sunrise Credit Services for {$220.00} referencing XXXX XXXX XXXX XXXX, claiming a balance past due. I have not contacted Sunrise Credit Services. I closed the referenced account 1 year ago.

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 2021-02-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased 4 tickets from a third party supplier on XX/XX/XXXX for a round trip to XXXX XXXX from XXXX in XX/XX/XXXX for {$1200.00} and I purchased seats separately from XXXX XXXX for both flights. After Covid struck and XXXX changed flight times, we were able to cancel flights from XXXX with a full refund in XXXX and they were able to refund my seat assignments directly to my Citi card ending in XXXX but the tickets had to get refunded back to the third party supplier on XX/XX/XXXX for {$210.00} each equaling {$860.00}. After calling the third party supplier about 10 times without success ( they kept using excuses like call back in another week to check if the credit is showing up and then it will go back to the credit card ), I called citi XXXX XXXX and told them what was going on and that I wanted my {$860.00} back and they could go after this company for their money because they got their refund. In XXXX, I got a letter from citi stating that they were putting the charge back on my card because the company stated that this was a VALID charge. I then sent supporting evidence to citi card clearly showing that this company got credit on XX/XX/XXXX for all four tickets and they again conditionally credited my account to reach out to them. Now they put the charge back on and want me to pay by XX/XX/XXXX my {$860.00} and are awaiting this company 's response? I have already proven my case and I should not have to pay anything at this point. They need to recoup the money from this scam third party supplier. If I do not pay by XX/XX/XXXX my cc will show a late fee and they are not expected to hear back from this company until XXXXThey will not answer them at this point and I have tried to speak to the dispute dept in the credit card company at XXXX but they keep hanging up on me. They are a terrible company and need to take it up with them and not the consumer when COVID is rampant and lives are being lost and jobs are scarce and my case is proven and they still want me to pay. I will cancel my credit card with them as well.

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