vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
For about two year I had been investing on the coinbase exchange. One of my investments was called XXXX XXXX. I had put in close to {$6000.00} or more into XXXX over those 2 years. The XXXX was down significantly as is most crypto. On XX/XX/XXXX via XXXX Coinbase announced they would not support the XXXX XXXX of XXXX XXXX. XXXX airdropped a new version of their crypto. Coinbase told its customers in a series of poorly worded emails and XXXX announcements that they would not support this new crypto and investors needed to move there crypto to another exchange. I was not aware of that until 1 day after it was to late XX/XX/XXXX. I was on vacation and missed the opportunity to sell or move my crypto. I am now being told that my XXXX XXXX which has a value of {$2500.00} is now worthless. I can not transfer it or sell it and I have lost all my money. XXXX XXXX was supposed to replace my XXXX XXXX with XXXX but coinbase did not allow it. My investment is going according to Coinbase and they will not hear my complaints. They blame me and the thousands of people who lost their money. The announcements were terrible and I do not use XXXX. I really had no idea what to do in this case but was also to late. I know of another person who was in the hospital and lost his investment. If people are going to loose their money Coinbase should have made sure everyone was contacted with the correct info before taking there money away. So coinbase promotes these crypto currencies and then takes them away after they were purchased on the exchange. I am distraught over this because I do not have much money. My business has been hurting since covid and I was also mail order scammed a little over a year ago. I am nearly out of business and this was a very painful thing. Hopefully you can help! I am not sure what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 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: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had reached XXXX bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 2nd attempt with XXXX, XXXX, and Experian. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and infromation I have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: IN

Complaint narrative:
I applied for a {$1200.00} loan on XX/XX/23 and recieved the funds the next day. 

Upon looking at the loan agreement, the interest rate is XXXX %. Absolutely predatory. For 40 weekly payments of {$160.00} for a total amount of {$6400.00}. 

I can't even pay off the loan online, I have to call them to make any additional payments. They say there is no penalty for paying early, but they sure make it hard to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

COUNTY OF XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

COUNTY OF XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
There is an unauthorized/fraudulent inquiry listed on my credit file as of XX/XX/2023. Please block, delete and remove. 

The inquiry is from XXXX XXXX XXXX. Attached are my letters to the credit reporting agencies along with my identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
There is an unauthorized/fraudulent inquiry listed on my credit file as of XX/XX/2023. Please block, delete and remove. 

The inquiry is from XXXX  XXXX XXXX. Attached are my letters to the credit reporting agencies along with my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to DO THEIR JOB PROPERLY and eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Basically my car was repossessed recently due to the fact that I miss some payments on my lease. The reason why I missed payments is because I recently switched my credit card numbers due to a recent fraud claim which is actually identity theft and the payments were an auto pay so I didn't realize that it wasn't going through. to make my point stronger I didn't get any notifications saying that I didn't pay that month or anything like that and for that reason I have no idea of the situation and he randomly repossessed my vehicle I would like this repossession on my credit report should be cooking off my report because this will affect me immensely in my future career I always pay on time and this was a total mistake and unfair thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I received a couple of calls that I owe money for two appts at different health agencies, I asked for proof the debts are mine. I was then hospitalized and when discharged was served a summons to appear to a " Request for default '' hearing. I called Merchant 's Association and said I would pay the debt but I wanted them to send me proof that I owe the debt because I do not recognize the name of the XXXX clinics they say I owe the debt for. I have not received proof as of yet. Now I have received another " Notice of intent to request default judgment '' which says I have 10 days to respond. I logged into the XXXX XXXX XXXX XXXX efiling system to look up the case number on the summons and the case number does not exist. Today I sent ( via fax and certified mail ) a letter again requesting proof that I owe these debts so that I can reconcile them with my health insurance company to make sure they are my debts, they were billed and processed correctly ( if at all ), and pay what I owe if legitimate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the information on my credit report related to two auto loans for the same vehicle. My credit report shows that I have two separate auto loans with two finance companies, XXXX XXXX and XXXX XXXX XXXX, for the same vehicle, which is inaccurate and has a negative impact on my credit profile. 



I purchased the vehicle from XXXX XXXX and financed the purchase through them. However, without my knowledge or consent, my contract was later sold to XXXX XXXX XXXX, and they are now incorrectly reporting a separate auto loan entry on my credit report. 



I have never entered into any contractual agreement or authorized any loan with XXXX XXXX XXXX. I only have one valid auto loan with XXXX XXXX, and I have been making timely payments as per the terms of our agreement. 



I request that you investigate this matter and remove the erroneous entry of the auto loan from XXXX XXXX XXXX from my credit report. I have attached copies of relevant documents, including the original contract with XXXX XXXX, as evidence to support my dispute. 



Please provide me with written confirmation once the investigation is complete and the incorrect entry has been removed from my credit report. Additionally, I request that you update my credit report to accurately reflect my actual credit history. 



I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and I expect you to comply with the FCRA guidelines throughout the investigation process. 



Thank you for your attention to this matter. I look forward to a prompt resolution. If necessary, I am prepared to take further legal action to protect my rights and creditworthiness. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting by TransUnion and XXXX Dear XXXX, I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), a consumer report should not include transactions between the consumer and the person making the report. However, these agencies have included accounts that involve such transactions in my report without proper investigation, violating my rights. 

The accounts I am disputing, along with their account numbers, are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX I have contacted TransUnion and XXXX directly to request an investigation into the accuracy of these accounts, but their responses have been unsatisfactory. They have failed to provide conclusive evidence supporting the inclusion of these accounts in my report. 

This inaccurate reporting has harmed my creditworthiness and financial well-being, impacting my ability to obtain credit and secure favorable loan terms. I may even face denial of housing opportunities as a result. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervenes in this matter, ensuring that TransUnion and XXXX promptly rectify the situation. I urge the CFPB to conduct a thorough investigation, enforce penalties, and implement corrective measures to protect consumers like myself. 

Enclosed with this complaint are relevant documentation, including my consumer report, correspondence with TransUnion and XXXX, and any supporting evidence. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please contact me if any additional information is required. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
Lending Point keeps charging me automated payments that I did not agree to. They keep charging me on the wrong day and this month they are trying to charge more than once. My payment date is the XXXX of every month but last month they charged me {$260.00} on XX/XX/XXXX when I called and explained that they are charging me on the wrong day they took more than a week to reverse it and there solution was to offer me a " temporary relief '' payment plan where I only pay {$26.00} on the XXXX of each month for two periodic periods which means that the next full payment should be XX/XX/XXXX but they sent an email saying that the temporary period is ending. They are taking advantage of me and will only accept automated payments which means that if they charge someone on the wrong date and put them in the negative then offer them a " temporary relief '' payment plan it wraps the two payments to the end of the loan prolonging the loan and is a tactic to increase the interest rate. This is predatory lending. Lending Point put me in the negative last month and I was not able to pay my other bills or even afford food for me and my family. Please review the documents I provided for proof of predatory lending. This is a violation of my rights as a customer with TILA and the federal transactions act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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