vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card or Goldman Sachs continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because Apple Card or Goldman Sachs failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and Goldman Sachs or Apple Card didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted Apple Card or Goldman Sachs and they told me theres nothing they can do to fix the issue. I spoke with XXXX at Goldman Sachs or Apple Card on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I tried to dispute this collection with a valid identity theft report attached and they are still not honoring this situation. This account was opened fraudulently, with proof attached, it needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
In late XXXX I was unable to start my Coinbase app. At the time the issue was communicated to be a technical one on Coinbase 's side, and I was advised to " try again later. '' After days of trying I turned to log in to Coinbase via my web browser, but was prompted to re-verify my identity by posting my Driver 's License ( again ) and submitting a photo of myself. After that I eventually received a notification that my account was disabled, and I can no longer log into my account via a web browser. 

I am somehow still logged into my Coinbase app, which now " works, '' however I am no longer able to purchase anything and fear that as soon as something could happen to my phone/app, I will be logged out of my account forever and lose all of the funds I have invested through Coinbase. 

I have gone through numerous avenues to speak to Coinbase customer service to resolve or gain an understanding of the situation, and thus ensure my financial information hasn't fallen into the wrong hands, but each occasion resulted with me being told, " After a review of your account, weve determined we are unable to restore these restricted capabilities back to your account. Coinbase is unable to provide you any further information on the reasons for your account restriction. '' While they have informed me that I can still trade, sell, and cash out, I am still deeply concerned that I can NOT log into Coinbase any longer. I feel like my financial information has been taken hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XX/XX/XXXX, XXXX I put in a dispute with Chase Credit Card for a charge to XXXX XXXX XXXX XXXX the amount of {$10000.00} XX/XX/XXXX, XXXX I cancelled the dispute as the merchant stated they would refund the money and work directly with us XX/XX/XXXX, XXXX Merchant continuously communicated they did not receive the money back yet ; therefore, I submitted an additional dispute to Chase XX/XX/XXXX, XXXX Merchant 's bank accepted the dispute and agreed to let Chase keep the disputed funds XX/XX/XXXX, XXXX Chase claims to have submitted the funds back to the merchants bank ( after I submitted an additional dispute ) This dispute was not handled appropriately. Currently, both Chase and XXXX ( merchant 's bank ) state they do not have the funds, yet I am without a product and have paid {$10000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I found out that Midland Credit Management added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Midland Credit Management for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
I have 27 fraudulent transactions the were made on my account from XXXX in XXXX XXXX- I as never notified of any fraudulent activity- I got my bill and immediately called them - They were not able to verify my account due to THEIR issues and therefore have to send me a letter via usps- which will take 7-10 days - refused to issue a new card to me during the holiday season and it is attached to an airline so impacts my flying. The refuse to discuss any of this until I get the letter but did tell me the cared was not present and the number was manual put in. Many at the same store for the same amount but never was I notified until I got my bill- Now my card is shut off and it is the holiday season and won't send a new card and I have to wait 7-14 days for a letter they are sending - and refused to send an expedited later. I am trying to report fraud and they are making it so difficult I understand how people get away with it because the process is long and offers no help to the consumer - on my own I have called the police, the stores my card was used at - and 27 transactions happen on XXXX and I was never notified.!!!!!!! and many of the charges were identical amounts. After reporting it, and supposedly I get a email last night for an additional 3 fraudulent charges - I have spoke to numerous people at Citi cards and NOBODY will help me- and have left me with a card that is shut off so I will have declined charges for bills I use this account for and who knows when I will get a new card and after thus process do I even want to use this bank for anything????? The customer service is terrible and they seem to help the other guy and not the consumer. They have caused me stress, and questions as to whether my credit will be effected ..... They should be able to immediately help me when I call- I have the card in hand. Extremely unprofessional on the part of Citi cards... .seems like that want to help the bad guys more than their own customers.

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 2021-11-11 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: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TX

Complaint narrative:
Fifth time filing a complaint regarding this matter! 

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. Here are the unauthorized inquiries : XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXXXXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/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. The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. I have filed a complaint with the FTC. FTC report # XXXX I have reached out to TransUnion more than 5 times in the last 3 months to advise them of unauthorized inquiries on my report. They continue to tell me that these creditors HAVE A RIGHT TO CHECK MY CREDIT WITHOUT MY CONSENT and I know that's not true. I have asked several times for them to remove the inquiries and they still refuse. I have filed a complaint with the federal trade commission against TransUnion. XXXX and XXXX have removed these inquiries. I'm requesting TransUnion to follow suit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: OR

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is a Bankruptcy on my Consumer Report that must be removed. I have sent multiple letters to get this issue resolved and i continue to be violated and ignored. I sent letters to XXXX, XXXX, and transunion. Along with that, I sent a letter from bankruptcy court and XXXX that stated they dont report any information, especially personal information to credit bureaus. Also, i sent the letter from XXXX XXXX to them that shows that the bankruptcy will deleted and removed from there data base. SO where are they getting this false information from to report?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There is a Bankruptcy on my Consumer Report that must be removed. I have sent multiple letters to get this issue resolved and i continue to be violated and ignored. I sent letters to XXXX, Equifax, and XXXX. Along with that, I sent a letter from bankruptcy court and XXXX that stated they dont report any information, especially personal information to credit bureaus. Also, i sent the letter from XXXX XXXX to them that shows that the bankruptcy will deleted and removed from there data base. SO where are they getting this false information from to report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
on XX/XX/2021 i submitted documentation on a dispute i had and was never replied back too with transunion and XXXX after that due to the fcra laws my crdit score shouldve increased instead it dropped

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has been Fraudulent activity going on with CASHAPP. I have reached out numerous times along with complaints about this matter, the transactions were made in XXXX XXXX FL. on the dates said above I have no affiliation with this place or anyone in XXXX XXXX FL. each time I noticed money was taken I tried to get help I dont know what else to do at this point but to reach out to CFPB. Crazy thing is CASHAPP refunded me one {$50.00} payment that was taken from the place above but not all. I have made so many complaints, I was able to get one person over the phone, Ive even contacted the XXXX page for CASHAPP still the matter has not been resolved this is just too much money to let go of. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Re : Illegal Re-aging National Credit Adjusters ( Collection Agency ) has illegally re-aged an account from XXXX XXXX in the amount of {$1500.00} from XX/XX/2017. The Collection Agency has listed this debt as a new debt, which is false and illegal per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

This is a final attempt for correction before legal action is taken including damages. The attorney that I have consulted has requested that I make a final attempt for correction before a suit is file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER XXXX XX/XX/2018 {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have reached out to all three credit reporting agencies ; TransUnion, XXXX, and XXXX. As per clause : Credit Reporting agencies must provide the processing time frame in which they compute the data they received from a creditor. However, TransUnion refuses to comply and trys to say 30 days which is required by a creditor not a credit reporting agency such as TransUnion. I want them to provide the time frame in which the compute the data to a users report public like required by law. I can not find it anywhere on their website and when I asked them via XXXX they told me : Hello, Due to the number of subscribers that report information to TransUnion, there is no one answer to this question. We would not provide the specifics of any creditor or proprietary information about how we do business with them. If you are referring to a dispute response, We process those requests within 30 days as required under the Fair Credit Reporting Act ( FCRA ). 

Please let us know if you need anything else. 

-XXXX  As shown above, within 30 days, is required by a creditor not a credit reporting agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CA

Complaint narrative:
I did not authorize this inquires, ive been trying to improve my credit for the last 3 years and NEVER applied for any credit or inquire.

Company response to consumer: Closed with explanation