vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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:
On XX/XX/year>, at XXXXXXXX XXXX. Eastern Standard Time, I transferred XXXX units of the XXXX cryptocurrency from my XXXX wallet to my COINBASE WALLET wallet. However, I have not yet received the XXXX deposit, although this type of transfer is usually processed and completed in less than 5 minutes. 
On XX/XX/year>, I opened a query with COINBASE via CHAT and the attendant informed me that the network was experiencing delays and that they were already resolving the issue. I waited a few more hours and, having still not received the deposit, I initiated a new call on XX/XX/year> and they told me that the problem had already been resolved, that they were in possession of my deposit and that they would soon be transferring it to my wallet, but that did not happen. I opened a few more calls through CHAT, we always knew that the problem had been resolved, but they never gave me a date or time that I would receive my XXXX deposit. 

On XX/XX/XXXX, I contacted Coinbase again via CHAT, where I was assisted by XXXX XXXX, who then informed me of the protocol number ( case support ) XXXX, and once again I did not receive any forecast regarding the receipt of my asset. 
On XX/XX/year>, still without having received my XXXX asset, I filed a COMPLAINT with COINBASE, but until the time of filing this COMPLAINT, I had not received my deposit. 
According to the email from XXXX XXXX of the XXXX  support team, my withdrawal/transfer of XXXX to COINBASE had been successfully confirmed, therefore my assets were already in COINBASE 's possession since XXXX XXXX on XX/XX/year>. 

I have been contacting Coinbase every day since XX/XX/XXXX. Every day they change their narrative. First they said the network was experiencing delays, then they said my asset was safe and that they would credit it to my wallet soon, then they informed me that the asset had already been credited to my wallet, but that is a lie. And now finally they told me that my wallet address does not belong to Coinbase Wallet, which is another lie because the address is from Coinbase Wallet. 

TRANSACTION DATE - XX/XX/year>, XXXXXXXX XXXX AMOUNT - XXXX XXXX XXXX  Transaction / On-Chain transaction ID - XXXX FROM ( XXXX ) - XXXX TO ( Coinbase Wallet ) - XXXX Blockchain XXXX  - XXXX XXXX XXXXXXXX User ID Coinbase - XXXX Coinbase Wallet username - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX was supposed to remove an inquiry from my credit report. I provided proof that the inquiry should not be there. 
XXXX told me I had to tell XXXX to remove it. The card was on due to fraud and closed due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
XXXX XXXX XXXX  opened date XX/XX/XXXXXXXX  report date XXXX XXXX XXXX high balance {$9100.00} balance due {$7700.00} multiple missed payments. 
I have contacted the original creditor and all three credit agencies and requested that this account be update and or removed from my file because I have paid this account in full. The original high balance is incorrect and that there is no balance due that this account and loan has been paid in full. They failed to investigate and accurately provide me a fair and accurate credit file. This account has been paid in full and there was no missed payment and the original balance is incorrect. They did not provide me with any documentation from their " investigation '' and did not thoroughly investigate this and update my file to the correct information.

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 2025-02-09 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: NC

Complaint narrative:
I disputed several accounts on my credit report and Transunion denied them and Experian and Equifax are taking very long. This is affecting my personal life and their failure to remove these items as someone was very good at doing the fraud or something has prevented me from being able to obtain the benefits of good credit that i should have if not for these people. I want to formally sue them if this isn't resolved in a timely manner

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 2025-02-09 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: NC

Complaint narrative:
I disputed several accounts on my credit report and Transunion denied them and Experian and Equifax are taking very long. This is affecting my personal life and their failure to remove these items as someone was very good at doing the fraud or something has prevented me from being able to obtain the benefits of good credit that i should have if not for these people. I want to formally sue them if this isn't resolved in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was victim of identity breach involving XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection practice that I believe violates 15 U.S. Code 1692g. I request your assistance in investigating this issue and helping me resolve it. 

I received a collection notice from the collection agency identified above, and I believe the agency has violated my rights under 15 U.S. Code 1692g, which mandates that a debt collector must : Provide written verification of the debt if requested within 30 days of receiving a notice. 
Provide proper validation and proof of the debt. 
Violation ( s ) ; The collection agency failed to provide verification of the debt despite my formal request for validation on [ date ]. 
The agency did not properly inform me of my right to dispute the debt within 30 days, as required by law. 

I have already contacted the collection agency requesting validation of the debt. I have not received any response or evidence to verify that this debt is valid or even mine. 
[ Any additional actions you've taken, like sending certified mail or attempting to resolve the issue directly. ] I request that the CFPB assist in investigating this matter and take action to ensure the collection agency is complying with the law, specifically 15 U.S.C. 1692g. If this issue is not resolved and the collection agency fails to validate the debt, I also request the removal of the collection account from my credit report.

I have enclosed copies of all relevant correspondence, including my request for debt validation and any responses received. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely,

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 2025-02-09 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: Collection Management Holdings, LLC
State: NY

Complaint narrative:
I reached out to XXXX XXXXXXXX XXXX about a collection in the amount of {$790.00} in XX/XX/scrub>XXXX XXXX I have never purchased anything from this company. It appeared on all XXXX credit reports and it has a negative remark. This debt does not belong to me. The company has not responded to me after I asked them to remove this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NV

Complaint narrative:
The extra money charged by merchant and cash app to load and unload funds. If I want to put XXXX on I get charged two maybe 3 times depending on how much is allowed to be taken off and put onthe extra fees to transfer between mobile wallets gets costly like from cashapp to chime or XXXX in order to move money they take a fee depending on the amount Ive lost more money moving money around than I can imagine they alert me fraud and when I try to request the money from where or who it went to they tell me to contact merchant but its should be cash apps job to reverse the funds that I did not authorize to be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
I disputed XXXX XXXX XXXX three times already. I demanded a collection removal because the account on my report says it was opened on XX/XX/year>. I explained that I was NOT living in the United States XX/XX/year>. So therefore, Its not possible for me to open an account. I submitted multiple documents to prove my residence in XXXX, and they are choosing to ignore the facts, or, they are choosing to not do the proper investigation. They choose to defame my name by not removing this inaccurate information. This goes against the FCRA rules. Again, I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my XXXX  stamps in my passport to show that I was not in the United States when this account was opened. Attached is my XXXX residence permit, XXXX drivers license, also XXXX bank card. Everything needed to prove my XXXX residence.

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am done with Chase Bank. Close my checking account and mail me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. 

Description of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. 

Failure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. 

Description of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. 

Failure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Complainant made request for several items, including, but not limited to, " The original contract agreement, wet-ink-signed, in full ( full and complete disclosure ) ; '' and, to " Produce any and all IRS 1099-C forms related to the charge-off of the alleged debt. '' No such documents were ever provided. Complainant has reason to believe that the alleged creditor and / or the debt collection firm / attorneys are committing fraud by reporting an alleged debt without evidence of the contract ; and, reporting the debt as " charged off '' without providing a 1099-C, misrepresenting the status of the alleged debt to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Cycle Finance, Inc.
State: GA

Complaint narrative:
American cycle finance amount reported owed is {$7700.00} on XX/XX/XXXX with XXXX payment monthly starting XX/XX/XXXX and stopping XX/XX/XXXX. 
This loan account information is incorrect ; the payment history is wrong balance due is wrong and the highest balance is wrong. This motorcycle was purchased from XXXX XXXX XXXX XXXX. The original price of this motorcycle was {$9900.00}. I have a signed agreed purchase agreement and loan documents from the dealership stating the purchase price and my down payment with receipt. I paid {$4200.00} cash down on this vehicle this was the terms of obtaining the loan. Making the total balance due to be financed of {$5700.00}. American cycle is reporting that my high balance was {$9100.00} and that i owe {$7700.00}. This is incorrect. They also are reporting that I stopped making payments as of XX/XX/XXXX and this is incorrect. Stating that I've only paid {$1300.00} towards the principle balance. This is incorrect. My monthly payment was {$370.00} and even at only 9 months that they are stating that's {$3300.00} in payments. However I have made many payments past the stated and reported date. I have paid this loan in full. When I requested a pay off and I made my final payment to this company and requested my title and final bill of sale that I paid in full, only then did they report this incorrect information stating I still owe {$7700.00}. This loan has been paid in full with the interest since XX/XX/XXXX. They are reporting false information and have even tried to repo my motorcycle that i paid for in full,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Dispute of Charge-Off Account - EXETER ( Account Number : XXXX ) ** **Dear XXXX, ** I am writing to dispute the charge-off status of my account with EXETER, account number XXXX, as reported on my credit report dated XX/XX/XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) Section 1692c, I did not receive a 1099-C form for this account, which is required for the cancellation of debt. 

**The details of the account are as follows : ** - **Account Name : ** EXETER - **Balance : ** {$3100.00} - **Balance Updated : ** XX/XX/XXXX - **Credit Limit : ** Not listed - **Date Opened : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX - **Status : ** Charge-off - **Status Updated : ** XX/XX/XXXX I request that you investigate this matter and provide verification of the debt, including the 1099-C form. If you can not provide this documentation, I request that you remove the charge-off status from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the results of your investigation. 

**Sincerely, ** XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MN

Complaint narrative:
Experian has failed to fulfill its legal. Obligation under the fair Credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such a failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a customer.

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 2025-02-10 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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