vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: TX

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.

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 inructions 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 explanation
Consumer complaint received 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding a series of alarming issues that I have recently encountered. The purpose of this complaint is to bring to your attention the deceptive practices and unresolved concerns I have faced as a customer, and to seek your assistance in resolving this matter promptly. 

On XX/XX/XXXX, I made a purchase of {$2000.00} USD worth of USDC on Coinbase. At no point during the transaction process was I presented with any prompt or message indicating that my funds would be subjected to a lengthy hold period until XX/XX/XXXX. Had I been aware of this excessive hold period, I would not have proceeded with the purchase in the first place. This lack of transparent communication is deeply concerning and undermines my trust in the platform. 

To my utter dismay, on XX/XX/XXXX, when I checked my Coinbase account, I was shocked to discover that my funds were locked in a hold period until XX/XX/XXXX. I reached out to Coinbase 's customer support for assistance, only to be met with complete unhelpfulness and indifference. The lack of responsiveness and support from Coinbase 's customer service team has left me feeling utterly disregarded and disheartened. 

In an attempt to retrieve my funds and explore alternative platforms for my transactions, I promptly sold the XXXX USDC on XX/XX/XXXX. However, to my disbelief, Coinbase prevented me from withdrawing the money into my source bank account. This further adds to the already distressing situation and raises serious concerns about the platform 's commitment to customer satisfaction. 

What is even more disconcerting is that Coinbase informed me about the restriction on my account only after I had made the purchase. Prior to and during the purchase process, there was no mention of any restrictions whatsoever. This deceptive practice, coupled with the subsequent lack of transparency about the reason for the restriction, raises significant ethical questions about Coinbase 's business practices. 

I implore the CFPB to investigate this matter thoroughly and take necessary actions to rectify the situation. I am seeking your assistance in recovering my funds from Coinbase, as I firmly believe that such deceptive practices and lack of accountability should not be allowed to persist. 

I earnestly request the CFPB 's intervention to ensure a fair and just resolution of this issue. I trust in your commitment to safeguard consumers ' rights and uphold the principles of transparency and accountability in the marketplace. 

Thank you for your attention to this urgent matter. I eagerly await your response and hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I booked a flight via chase travel with XXXX XXXX XXXX, the flight was canceled the day of the flight by XXXX XXXX  on XX/XX/2023. 

After waiting 10 days I did not get a refund and had to call chase to request a refund they informed me it would take an additional 10 days. 

Its high deceptive to require customers to call to request refunds for products/services they failed to deliver. It is unacceptable for a consumer to have to wait 20+ days to get refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I made the same mobile deposit I make every week for my payroll on XX/XX/2023 before XXXX to Citizens Bank . My payroll check is drawn off the same bank as my personal account and is usually available the minute I make the deposit. The bank however put a hold on my check and are not releasing my funds. In the meantime, payments for my house and school taxes went through and my account is negative while they are holding my money. Their policy states a one day hold, and if there is a 2 day hold {$220.00} will be released the following business day, which is today. Yet, they are saying there is nothing they can do about it and it won't be released until Tuesday XX/XX/2023. I have spoken to local office, back office and back office supervisor. They gave me case # XXXX and expect to have a response in 1-2 business days, which is after the check will clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Tesla, Inc.
State: IL

Complaint narrative:
I got an alert that a new employer has been added to my credit report, XXXX, Tesla. I have never worked for this company and I am not sure how the employer got updated to this company without any notice or verification process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
My mother passed away in XX/XX/2023 and left me this IRA. An IRA that US Bank will not transfer to XXXX XXXX after many attempts to provide all necessary information and paperwork. Now I am being passed around to others who keep requiring more information. I have settled my mother 's other financial matters with no difficulty. U S Bank won't release the funds. I am a XXXXXXXX XXXX citizen with immediate medical issues and this matter has caused my medical conditions to flair up. I am at a loss as to what to do. My fiancee XXXX had tried to help to no avail. Please get US Bank to settle the large amount of money that belongs to me now. Thank you for your time in settling this financial situation. Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: KY

Complaint narrative:
On the day of XX/XX/2022 Sent of letters to XXXX, XXXX, Experian requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WI

Complaint narrative:
I paid off my student loan because off high interest. Through my credit card company. Ive called several times to make sure it was put in computer as paid off. I got confirmation from my other bank of check sent. The just keep telling me same thing they dont see anything on their side side showing anything going on with the payoff. This was done on XX/XX/XXXX. They have no problem sending me stuff that payments due when its not its paid off. They have always tried to XXXX me around and not help me. The services is American Educational Services. There number is XXXX XXXX. I w add it this resolved and away from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without 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 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX Late Payment AccounXXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, 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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
Supposedly there was an account that was opened XX/XX/XXXX under XXXX XXXX for XXXX acct # XXXX. Then there was a charge off done on XX/XX/XXXX in the amount of {$5300.00}. 
Then back on XXXX XXXX, XXXX there was a Judgment for {$5300.00} with court costs & attorney fees of {$120.00} for a total of {$5500.00}. 

Then on XX/XX/XXXX of XXXX that the company XXXX XXXX took my husbands severance pay in the amount of {$6100.00}. 

Now almost 10 years later XXXX XXXX is coming back again for the amount of {$5300.00} which now they want to Garnish my paycheck. Ive have never heard from them in all the years that Ive lived at the same address and have never moved. If they wanted this money so bad, why havent I heard from them until now My husband and I are living paycheck to paycheck and have more up to date bills that are more important than this bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX? XX/XX/XXXX I made a charge of {$7900.00} on my XXXX XXXX card. 
This card is handled by Barclays Bank Delaware. The charge was made to XXXX XXXX. I understand that the company has been convicted of fraud. XXXX XXXX and XXXX along with me have made calls to challenge the charge. Barclays says they can not go back that far to indentify the charge. Frankly they kept transfering us to many different people. No one helped. My mailing address change from XXXX XXXX XXXX  XXXX XXXX, NC XXXX to XXXX XXXX XXXX XXXX, NC XXXX in XXXX because we moved.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The incident started on Saturday, XX/XX/2023, around XXXX XXXX  at the TD Bank branch at XXXX XXXX XXXX in XXXX NY. I deposit on the ATM machine {$700.00} Cash and all of a sudden after giving my money to the machine slot, it said on the screen : " We are unable to provide the details of your deposit at this time. Please retain the receipt for your records. '' The ATM printed a receipt for me for further proof of my deposit. I looked at my TD app on my phone and it indicates that the {$700.00} was deposited but on HOLD. I waited until Tuesday, XX/XX/2023, and I saw a negative - {$690.00} on my app & I immediately called TD customer service, and told me to go to the branch where the incident occurred. I went and spoke to a representative name XXXX and filed a claim on the issue. 

After that, I kept calling for further updates and didn't receive an update until Monday, XX/XX/XXXX that my claim was denied and said that the Fraud department didn't see any error. They will do another claim and wait XXXX business day. On XX/XX/XXXX I went back to the TD branch in XXXX and spoke to XXXX again and made a few phone calls about this issue, but no help or options. So He had to do another claim. 

I called today XX/XX/2023 for an update since I filed 2 claims ( XX/XX/XXXX customer service & XX/XX/XXXX branch ) customer service told me they denied again the claim I made on XX/XX/XXXX at the branch with XXXX and that the claim on XX/XX/XXXX is still on going and to wait another 5-7 business days. 

I told them : " how can I be denied twice? This doesn't make any sense. I always deposit cash in the atm machine of {$700.00} for rent purposes and that you can see in my previous statements. And now this was the issue that occurred and I can't trust my money the next time I want to deposit cash at Td bank. I'm like : " you can't see through the cameras of me depositing cash and a printed out receipt as proof of my deposit, which I still have the original. 

They kept repeating to wait for the next claim response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is in excess of XXXX inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within XXXX hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within XXXX hours without proper investigation that they are valid. The false inquiries are as follows : 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 XXXXXX/XX/23 XXXX XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told XXXX, XXXX, and Equifax to investigate these accounts : XXXX  XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a 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 item of information, other than records of convictions of crimes which 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told Experian, XXXX, and XXXX to investigate these accounts : XXXX  XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a 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 item of information, other than records of convictions of crimes which 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.

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 2023-07-24 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: FL

Complaint narrative:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief