vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - status update date shows that this account wasn't even investigated, remove account. 

XXXX XXXX  XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$510.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Theres a XXXX XXXX XXXX XXXX account reported on my credit file with the bureau of TransUnion which I've disputed several times as part of my rights according to the FCRA XXXX along with an address thats not associated with myself ; reported XX/XX/XXXX which they refuse to comply and remove. The 'XXXX  XXXX XXXX XXXX account they mention is verified as accurate which I also disputed again on XX/XX/XXXX, which it's now more than 30 days. They have not removed neither the account nor address, and hadn't hear a reply back from them regarding this unverified account to be deleted as mentioned not mine.

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 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had opened a paypal account in XXXX of XXXX the email associated with the account is XXXX my name is XXXX XXXX birthday : XX/XX/XXXX Last 4 of social : XXXX Phone number : XXXX or XXXX A few days after I opened it I had set up my unemployment claim to direct deposit my benefits to my PayPal account so I got a {$250.00} deposit on XX/XX/XXXX Paypal then decided to freeze my account due to problems with past accounts linked to me they permanently closed my account and told me they would email me when they have decided to release my funds but that they could legally hold my money for 6 months I submitted a previous complaint to the bureau about this and paypal responded and said my funds would be held for the full 6 months and that they would be available on XX/XX/XXXX they were supposed to email me but I havent received an email about it I sent an email today to their executive escalation department but havent heard anything I sent them a picture of their response to my previous complaint and I also sent them banking info where I would like my funds transferred too I am attaching their response from my previous complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have been a victim of identity theft, today XX/XX/2021 i got an alert stating my socre dropped so i decided to look into my credit reports. i noticed 2 accounts that are not familar to my credit history or transactions i have made or authorized. please see attached Federal trade commission identity theft report i filed

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 2021-01-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XX/XX/XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
Dear all. I would like to denounce you an issue that happened when i exchanged cryptocurrencies at COINBASE inc. and I loss 55 % of my capital due to its responsibility, without giving me an option to cancel that transaction. 

I have opened three cases about that issue to Coinbase help and support department, but unfortunately they have just sent me some typical general answers, without any focus to my issue. After that they closed the first two cases without explanation. The third one is still open but they have stopped communicate with me. The cases number are : 1.CASE # XXXX at XX/XX/2020 2.CASE, # XXXX at XX/XX/2020 XXXX. CASE # XXXX at XX/XX/2020 In details at XX/XX/2020 at XXXX ( XXXX ), I traded the amount of XXXX euros of DAI ( stable coin ) ( XXXX coins ) with a price of XXXX per DAI coin at the specific time ( XXXX ) in XXXX with the reference code XXXX transaction ( XXXX ). After the trading in the system XXXX mobile app and coinbase url ) appeared that I had only XXXX euros in XXXX,. That is meaning that dissapperead the 55,09 % of my initial amount of exchange or XXXX euros. As you can see at XXXX they calculated in their own decision with a value per coin DAI about XXXX, when at specific time and general time ( DAI it is a stable cryptocurrency ) the price was XXXX euros per DAI coin ( XXXX XXXX. I would like to inform you also that at the time of trading the XXXX was in an increasing phase and took about 500 % increased. 
All the images that i am sending you there are screenshots from the official coinbase app or site. Also for your checks i am sending you the XXXX that is the value of XXXX at the specific time. Of course you can check the same values at any site for the specific time. 
I would like to thank you in advance for the time that you are going to spend for my case, as also to resolve that issue that is illegal and leads to the lost of cofidence at a big company in US, the regulator of it and of course of the new economy market. 
Kind Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.

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 2021-01-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have requested a copy of my credit report due to fact Experian has not opt me out of credit offers. I opt out by letter 2 times to XXXX XXXX XXXX XXXX Texas XXXX Experian does not mail me a complete copy with all the pages to my credit file with all the pages with everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The National Credit Systems information is incomplete or wrong, the date opened account is wrong. I tried to speak with that company to verify my account and paid but they didnt give information about it. My contract date opened in XXXX XXXX XXXX XXXX wasnt at XXXX ; is a error about my account, they are reporting incorrect date opened, please delete this account from Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax and maryland child support credit report showing inaccurate information in reference to child support payments where never late and are directly taken from pay once a week since court order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
I disputed XXXX XXXX  account and was removed from my credit report due inaccuracies. Equifax put the account back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
i just discovered accounts that are not related to my credit profile and transactions i have ever made. These accounts a the result of fraud and need to be removed. i have filed a notarized identity theft report with the federal trade commission to support in my request and have these accounts blocked.

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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account is reporting incorrect account type and incorrect date opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax will not mail me out a complete copy after opt out by letter 2 times. Equifax has not mailed me no copy as requested. I have allso filed a complaint with US attorney office in regards to my credit rights. Equifax has let to provide my free copy or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
I am in an active chapter XXXX bankruptcy in which the mortgage service is to follow rules set forth by CFPB on how pre and post petition payments are to be applied. Ocwen now PHH mortgage servicing has continued to perform my annual escrow analysis based on prepetition arrearages. The escrow has remained in a negative balance and was never made current upon chapter XXXX plan approval to pay arrearages which included funds advanced as well well as amount to bring current. They are essentially double dipping and getting paid on the arrearages through payments from my trustee as well as current monthly payments. This has also resulted in unnecessary payment increases. I have sent written requests in XXXX & XXXX to which they either completely ignore or state they my claim isnt valid. They are improperly serving my loan being in a chapter XXXX plan and misapply post & prepetion payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have had my paypal account for many years and have used it for business transactions and for non-business transactions. Recently, after a whole year of high volume transactions Paypal locked my account and pinpointed three random transactions asking for the product sold and for my website to remove products that go against Paypal TOS. The issue is, I do not have a website and nor have I sold any products. All those transactions were with friends on discord to be paid back for stuff I bought them. Paypal support told me that I should not use their non-business transactions for amounts above {$50.00} but do not ever state that when you use their services and nor do they cap the amounts you can send. In fact, in order to send/receive more than XXXX I had to verify my account, showing once again that it is perfectly within their TOS to send and receive large transactions. Right now my account is locked alongside over XXXX USD of my money that is being withheld for me until I provide business invoices, suppliers, and websites that I do not have and have never had. I have talked to customer support at least 5 times to no avail.

Company response to consumer: Closed with non-monetary relief