vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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 accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank : account # XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX Bank : account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-14 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: FL

Complaint narrative:
It is several accounts due to be removed due to no validity of debt I have attached photo. Only account missing is XXXX to be removed as well. XXXX and XXXX verfied no debt Transunion is only one not looking into this

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 2023-02-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NJ

Complaint narrative:
My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, Experian Account # XXXX, XXXX Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CT

Complaint narrative:
UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN EQUIFAX AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS EQUIFAX TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND EQUIFAX WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. EQUIFAX IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information.

Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! EQUIFAX IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-02-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
I took my pension buyout money from a previous employer. It was in an annuity for a few years. I opened an E*TRADE Morgan Stanley account because I wanted to learn how to invest for myself. Now you will be able to follow these documents from their date & time. These emails are internal sent from E*TRADE Morgan Stanly to your account inbox. My account was open a few days earlier, and on XX/XX/23 @ XXXX XXXX  I received an email saying my external funding account has been successfully added, which states XXXX XXXX  and last four digits of your bank account number. Everything is fine I have full access to my account, and I can come and go as I please. Email dated XX/XX/23 @ XXXX XXXX E*TRADE Morgan Stanley states that it sent deposits for verification to my XXXX account, please check back in 2-3 business days. Email dated XX/XX/23 @ XXXX XXXX I received an email saying I successfully added an external account and can now transfer money from my bank account to E*TRADE Morgan Stanley XXXX Now on XX/XX/23 @ XXXX XXXX ET I received a confirmation email saying E*TRADE Morgan Stanley has received my funds transfer request, and the transfer has now been complete {$40000.00}. Now this {$40000.00} was put into a E*TRADE Morgan Stanley Premium Savings account XXXX This document has a Welcome Customer heading. I opened two other accounts as well a Roth IRA, and an Individual Brokerage account. This {$40000.00} sat in my savings account with no problems meaning I had access, here is where things change. I took {$20000.00} out of the Premium savings account and put it in my Brokerage account. Email dated XX/XX/23 XXXX XXXX  transfer complete {$20.00} from Premium savings-XXXX to E*Trade BrokerageXXXX, now 2 hours and 4 minutes later. I received an internal email at XX/XX/23 @ XXXX XXXX  saying due to unusual activity in your account certain feature may be temporarily disabled, until they speak with me, when I called to find out the problem, they say they are having trouble verifying my documents. Now these are the same documents I used to transfer the money to them. Things like social Security number, driver license, activation letter, previous history of the money ( meaning a yearly statement from my other investment firm ). Take a selfie with your driver license, take a selfie with your social security card. These are all the things I have done repeatedly in rotation. I have not been able to make any investments they basically locked the account as soon as I opened it. I just want my money back so I can take my business elsewhere. On XX/XX/23 @ XXXX XXXX  I called and spoke to a representative named XXXX ; he asks me for another bank statement from XXXX XXXX, a XXXX Statement. I told him I already sent it a few times. He paused for a few seconds and then he hung up. This whole experience has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-14 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: FL

Complaint narrative:
What makes it so difficult for XXXX XXXX  to report my 2 credit cards as CLOSED on my Experian and XXXX reports???? Why did XXXX XXXX  report my 2 credit cards as CLOSED on my XXXX XXXX credit report but my accounts remain inaccurately listed as OPEN on my Experian and XXXX reports??? Why cant XXXX XXXX, Experian and XXXX comply with the prompt mid-cycle reporting accounts CLOSED as required by the FCRA and Metro 2 protocols??? What is your purpose to willfully violate the FCRA by knowingly report my CLOSED accounts as XXXX??? Are your employees, computers, bots and PARROTS STUPID and incompetent??? Why are each of you risking statutory damages of {$1000.00}, punitive damages and attorney fees by continuing to violate the FCRA??? Permanently DELETE my 2 XXXX XXXX accounts from every CRA immediately or face increasing liability for willful FCRA violations!!!

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022 I was notified that a checking account was open in my name ( previous last name, recently married ). I called the bank that day and reported it on identitythef.gov. They said they would close the account but it's still open and I keep receiving statements.

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 2023-02-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-14 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 — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I used my Coinbase card ( Visa debit card ) to purchase gas at two gas stations on XX/XX/. The charge ( {$35.00} ) went through at the first station ( XXXX XXXX ) but not the second station ( XXXX XXXX XXXX ), where I used a second card. 

Besides the gas charges, there are two pending charges for {$100.00} each from XXXX XXXX and XXXX XXXX XXXX. I did not make these purchases, I did not authorize these purchases, and I was not informed there would be such a hold on my card. 

I waited until around XX/XX/XXXX or XXXX to contact Coinbase, figuring the holds would be lifted by then. But they weren't. Since then I've tried calling Coinbase ( only a bot answers ), I've discussed the issue with Coinbase 's text chat ( the person I get always refers it to a 'specialist ' ), and I've sent numerous emails. Coinbase does not seem to be doing anything to lift these holds. 

I've also reached out to both gas stations ; they insist that they can not do anything and I need to reach out to Coinbase. Note that Coinbase told me holds should be lifted after no longer than 10 working days, but in this case around 18 working days have already passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I received a debt collection letter from the CBE Group Inc, a third party debt collector for XXXX. They said I owe {$210.00} as of XX/XX/XXXX which is entirely false. I switched over to XXXX back in XXXX and left the XXXX account under my name because a family member was still active on my account and as I was told on multiple occasions by a few XXXX customer care agents , all rewards including promotions will be lost on the account if I decide to change the account holder name. They've also switched over to XXXX back in XX/XX/XXXX. This is where the deception begins. XXXX sold the account to CBE Group Inc once my family member left XXXX and switched over to XXXX. I didn't receive notice about a bill until yesterday when I checked my mailbox and seen a letter that was sent from this third party debt collector affiliated with XXXX. I also want to address that XXXX never sent me a final bill, they sold the account soon after and now CBE Group Inc wants to collect a debt from me that is not owed for the amount stated. I know my rights as a consumer and I do not owe this company a single penny. My family member 's phone was unlocked after 60 days and they waited 14 months to switch to a different carrier due to problems with billing and their data being leaked. It's their right to switch carriers if a phone is unlocked but the remaining balance would have to be paid. And I will reiterate, a final bill was never sent to my current mailing address. I also have a witness at XXXX who made the transfer in-person and they assisted my family member to pay all fees upfront including the remaining balance with XXXX because it's not possible to upgrade without settling the remaining balance on the previous device. I will be disputing this debt collection to all three major credit bureaus. They've closed the account as of recent and came up with their own numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
there is incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
What makes it so difficult for XXXX XXXX to report my 2 credit cards as CLOSED on my XXXX and Equifax reports???? Why did XXXX XXXX report my 2 credit cards as CLOSED on my XXXX XXXX credit report but my accounts remain inaccurately listed as OPEN on my XXXX and Equifax reports??? Why cant XXXX XXXX XXXX and Equifax comply with the prompt mid-cycle reporting accounts CLOSED as required by the FCRA and Metro 2 protocols??? What is your purpose to willfully violate the FCRA by knowingly report my CLOSED accounts as Open??? Are your employees, computers, bots and PARROTS STUPID and incompetent??? Why are each of you risking statutory damages of {$1000.00}, punitive damages and attorney fees by continuing to violate the FCRA??? Permanently DELETE my 2 XXXX XXXX accounts from every CRA immediately or face increasing liability for willful FCRA violations!!!

Company response to consumer: Closed with explanation