vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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:
Previous complaint : I have been trying to get a proper resolution to the problem and incorrect information reporting on my TransUnion Credit report. I have sent in disputes for the last several months and I keep getting a generic response that doesnt address my concern about the account reporting. I disputed the information reporting from XXXX. TransUnion keeps saying that they verified the information but wont tell me how and any information about how they came to that conclusion. There are so many things wrong with the information reporting. I also sent out my last letter at the end of XXXX and never heard anything back from them. I called to get more information and they said they never received it. 
Current complaint : I still have not received the proper response to my request for an investigation. I have a right to know how the information pertaining to XXXX repossession was verified, what information was used. The other two credit bureaus deleted this falsely reporting and unverified information, however TransUnion has not done the same.

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 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have had my Coinbase account blocked for several months, so I can neither enter it nor buy or sell cryptocurrencies. I have opened several cases to Coinbase and they do not solve it for me. I enclose screenshots of everything sent and that I still have the account blocked. when I try to enter the account, it asks me for an sms sent to a number that is not mine, as I show in the attached file " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I am trying to order myself a list and also get some personal items and my bank has blocked me from unlocking my card I am stuck trying to get home into the store to get personal items there is no disclaimer on their website about service being disconnected at this time Im taking screenshots of everything this isnt the first time that this is happened and theres no end of when this is going to be fixed or notification in an email saying that this is going to happen so now Im stuck in the middle of nowhere trying to figure out where Im going. Pnc bank is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights.

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 non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, there was already a person trying to replace my debit card in the XXXX XXXX Chase bank and it cost {$5.00} on my card for the express delivery fee, but this action was unsuccessful. On XX/XX/XXXX, someone deposited a fake check with an amount of {$2300.00} and transferred {$1500.00} from my daughters account to my account. Then, this person went to the bank with my ID and withdrew {$3000.00} right away. The signature on the withdrawal slip was different from my signature. The Chase bank employee didnt double check the signature on the withdrawal slip with my signature and gave the money to the unknown person. Before this event happened I already warned the Chase bank and told them to make a note about if anyone wants to withdraw money, must show both my green card and ID. Its the banks employees issue that they didnt check my notes on my account. At the moment we found out our money was gone, we had contact the bank directly. But they didnt ask for anything just tell us to wait for the investigation results. Suddenly, the chase bank ask us to had the police report in order to continue on the investigation. After a long process, we fax the police report in one of the Chase bank, then they just tell us to wait. We tried to call in every few weeks and the answer they gave us was our case already close and it wont be reopened again because we didnt provide the police report within 60 days. This is unfair and irresponsible because none of the employees had mentioned this in the pass before and all the time when we called in they always gave us a perfunctory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a Consumer Reporting Agency can not furnish an account without my written instruction.

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 2022-06-18 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.XXXX XXXX XXXX, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.

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 2022-06-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.XXXX XXXX XXXX, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. WFDS Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
XXXX was informed of billings to my credit card with XXXX from Google. Google has a ridiculous policy of only allowing 48 hours to request csncellatiom for a refund. How is this legal? All other credit card and service providers are a minimum of 30 days to allow for a cancellation. 

Second, XXXX never received from Google, from Google 's own website where I cancelled 4 months worth of XXXX XXXX and I cancelled this charge every month from the very beginning with Google! There are 4 charges of {$75.00} per month for XXXX  that was purchased through Google and canceled through Google. When is Google actually going to reply pond with canceling their billing for services no longer desired by their customers? I ask, as I am still being billed!

This is outright billing fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX or XXXX of 2021, I opened a chase bank account. A couple days later out of no where it was closed for no reason.I just got a random letter saying my account was getting closed. Before this I have never had a bank account with them, at least that I have knowledge of because I hadn't gone to open any account or anything with them, for them to close it. I had just turned XXXX so I opened my first bank account with them.I contacted them to see what was going on and why this was made they just said it was a decision they made to cut my relation with them off. This is unfair and I took it very wrong because no explanation was provided on why the decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: OH

Complaint narrative:
I have sent disputes asking for proof of how the bankruptcy that is reporting was verified. I still have not received anything that answers my question. They only send a form letter stating verified. I asked for the information too many times because the last letter they sent me, stated that they will no longer process my dispute. They keep trying every method to stall and take as long as they want. They said they don't think that it's me disputing the " BANKRUPTCY '', who else is disputing it? I provided proof of ID.

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 2022-06-18 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: WI

Complaint narrative:
Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM XXXX OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS

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 2022-06-18 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: WI

Complaint narrative:
Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM EXPERIAN OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS

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 2022-06-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account found in attached documents has violated my rights.

15U.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 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 non-monetary relief
Consumer complaint received 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

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 non-monetary relief
Consumer complaint received 2022-06-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX us sm bus admin Oda, 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 has violated my rights.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
In accordance with the Fair Credit Reporting act XXXX Account found in attached documents has violated my rights.

15U.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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid a individual two separate amounts of {$1100.00} and {$230.00}, on XX/XX/XXXX {$280.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$300.00}, and XX/XX/XXXX {$900.00} for consultation, aid for housing and student loan deferment. The individual never showed up to the meeting after I paid him. I asked for a refund. I filed a police report and I reported problem to my bank. I have proof through text messages and phone calls that the individual never responded or showed up or provided any service guaranteed to me and that I requested a full refund. XXXX from Chase bank stated that I needed to contact XXXX XXXX for a refund and when contacting XXXX they stated Chase is the main card holder and I would need to contact the bank. This request is for services not rendered that I paid for. I had no knowledge of any potential scam and filed a report with police per Chase complaint department. Thiss not a duplicate request. Its a second separate request. 

Claim # XXXX Police report # XXXX Thank You. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: MS

Complaint narrative:
Experian : In accordance to the Fair Credit Reporting ActXXXX XXXX XXXX  : Account number : XXXX and Account number : XXXX, has violated my rights. 


According to 15 USC 1681 602A states that I have the right to privacy 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an 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 2022-06-18 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: OneMain Finance Corporation
State: IL

Complaint narrative:
One main financial have XXXX my credit reports XXXX  times and i only replied once and I asked the to repeatedly take them off. They are set as hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had a conversation with a friend who said he went through XXXX XXXXXXXX on a secure credit line and built his credit that I should try. Ive never had a credit card I dont like them but he said hed set it up and pay the amount it said like $ XXXX {$250.00} cant remember. 
So after a few months I said hey I never received it did they send it? Or what? Friend was shocked said I should of got it so I called and told them I never received. They said that someone had already used it and didnt make the payment. 
I explained I never got it asked address sent it wasnt my address and they said I had to pay it regardless even tho I paid the secure amount my own money they are charging me for and ruined my credit with hard hit on a card I never received. So Im out my own money and they never resolved this. 
So again I dispute the inquiry and they just keep saying disagree this is ridiculous reason why Im against credit cards to begin with. Can you help me?

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 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX : In accordance to the Fair Credit Reporting Act, XXXX XXXX : Account number : XXXX and Account number : XXXX, has violated my rights. 


According to 15 USC 1681 602A states that I have the right to privacy 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-18 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: MS

Complaint narrative:
XXXX : In accordance to the Fair Credit Reporting Act, XXXX XXXX : Account number : XXXX and Account number : XXXX, has violated my rights. 


According to 15 USC 1681 602A states that I have the right to privacy 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation