vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
We deposited USD dollars into our CoinBase account ( business account ) and exchanged it for some XXXX. We then moved most of our XXXX to our cold storage wallets. We later had our account with CoinBase frozen around XX/XX/XXXX and were told to verify our idenity which we did. We were asked to provide our XXXX and other business related information which we did. We were told that on XX/XX/XXXX our account would be unlocked. 

That time came and passed. We where later told that the business account that we had was in fact not a business account. That it was a personal account and inorder to make it a business account we would need to pay CoinBase XXXX XXXXXXXX. We declined and requested to move our assets off the platform. Our account was not unlocked. We called back a week later and where told to wait 7 more days. We called back again and were told someone needed some answers to some questions, and where emailed a questionnaire which we filled out and sent back to CoinBase and to be given 48hrs for the account to be unlocked. We called back again and where told that they could not state when our account would be unlocked. We then escalated our support ticket to a formal complaint with CoinBase and informed them that we needed our assets unlocked. We then were told to wait XXXX more days. Now we have been contacted asking us to open a business account and that they do not know when they can restore our account, we have told them again we do not wish to have any accounts with them, only wish to have our assets removed from there platform and wish to cease any business with them. We have been repeatably told by CoinBase that we need to wait 7 days to call in for them to say they have no ability to tell us when an account might be unlocked and that someone will reach out to us, for us only to have to call back in 7 days later for them to tell us that we need to wait another 7 days. We have waited since XX/XX/XXXX to be able to move/send any of our assets nor can we add any funds or withdraw any funds from our account as well. Our choice it appears is to wait an indefinite amount of time for the account to be unlocked or pay $ XXXX to them to now open a business account ( which we where told we already had one open with them ) to now open another with them and maybe in that regard have access to our funds. We have moved all assets and handling of our corporate assets to another company and cold storage wallets and can no longer deal with or wish to deal with CoinBase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Empire Home Loans, Inc.
State: OR

Complaint narrative:
In an attempt to finance a home in XXXX XXXX with XXXX XXXX XXXX XXXX Empire Home Loans, she asked us to fill out app. We completed and we never heard back. Several days later I text her to get information regarding approval. She snapped at me for calling her when she thought we already spoke that morning in which we didnt. Then she said we never submitted our financials, when we did a week prior. We realized shes mixing us up with another client. This making us uneasy, we decided to use another lender. I was honest in telling her why we were not going to use her, and she was rude, confrontational. That same afternoon, she clearly retaliated by putting us on a call list with all lenders. Our phones are on silent now as we receive over XXXX calls a day. Weve worked with lenders in past on every buy or sell and have NEVER experienced this. This is retaliation and XXXX XXXX needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2024-03-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: MN

Complaint narrative:
I filled out all information to open an new account, however, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.

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 2024-03-15 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: GA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.

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 2024-03-15 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX ; Inquiry : XXXX XXXX Inquiry XXXX XX/XX/2023 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 2024-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: AR

Complaint narrative:
Basically, we were supposed to close on the sale of my house on XX/XX/XXXX, but my buyers realtor didnt disclose that they had a for-sale contingency until they had issues last second, so it ended up pushing my houses closing until XX/XX/XXXX. Because of them lying, my pay-off quote for my mortgage expired on the XXXX, so the attorney facilitating my sale sent an extra {$5000.00} to cover our butts in case for some reason we ended up with a bunch of interest or something. Im not sure why he insisted on sending that much for a single day, but now the issue is I cant get the bank ( XXXX ) to refund the excess monies. Ive called them on 4 occasions now and been given 4 different dates that they claim the refund check has been mailed and I have also been given two different numbers that Im supposedly owed back ( was told {$5100.00} originally, and {$4800.00} on my last call on XX/XX/XXXX ). They called my attorney and said that they were going to send the money to them and the attorney said send it directly to me, they dont need it. The attorney said they were insisting on it going to them because for some reason Flagstar doesnt feel comfortable mailing the check directly to us. They told my attorney on XX/XX/XXXX that the check was mailed out on XX/XX/XXXX right after I had gotten off the phone with a Flagstar representative and told they sent the money on XX/XX/XXXX. The attorney tried following up today, XX/XX/XXXX after never receiving the check that they were told was being sent to them and Flagstar decided all of the sudden that they cant talk to the attorney without my authorization, despite doing so a couple weeks ago and insisting it was the attorney they deal with. I need the money but dont have the time or funds on hand to pursue the matter any further because I keep getting the runaround and at this point what is blatant lies. I also feel that I should receive the full amount back plus interest on my behalf as seeing how its been almost 5 months since the closing was completed.

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 2024-03-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not authorize these inquiries and firmly suspect they are not genuine. I urge you to conduct a comprehensive investigation and promptly remove them from my credit profile.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX My previous address needs to be removed from my credit report.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. XXXXXXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My previous address needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I want the following creditors or debt collectors removed from all of my credit reports ( XXXX, XXXX, XXXX ). The Portfolio Recovery account I believe are accounts that i opened at the XXXX XXXX XXXX XXXX over 7 years ago ( possible in XXXX  or so ). The amounts that i see on my credit report is {$3200.00}. I want these negative items taken off of my credit reports ASAP because the debt is over XXXX XXXX XXXX. However, Portffolio Recovery are known for trying to purchase old debt and collect it from debtors regardless of how old the debt is.old.Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-15 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: MD

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-03-15 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: GA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING.

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