vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a checking account with Capital One 360. When I use " bill pay '' to electronically issue a paper check or electronic transfer, the funds are immediately deducted from my account, unlike when I write a paper check by hand. With paper check that I write by hand, when the check is deposited by the counterparty, the funds are deducted from my account, and I can see an image of the check as well as the counterparty signature -- -- evidence that I have paid, and they have received. In the case of an electronically issued check, Capital One does not notify me when the check is cashed or posted to the counterparty 's account. On the monthly statement, they only record that the funds were withdrawn for my account at the moment when I issued the payment. In this electronic procedure, if the check never reaches the counterparty, and they don't complain, Capital One is the new middleman and keeps the money. If the counterparty cashes the check and complains that they never received it, I have no record of payment. From a financial reporting perspective, this destroys the transparency of the transaction and is an opportunity for fraud. Capital One claims that they void checks after 90 days and credit the money to my account. I have asked them to certify this in writing. For many reasons, a bank should be required to notify its customers when a check is cashed. This protects everyone, including the bank. It should be a regulation if it isn't already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: CA

Complaint narrative:
The cable company claimed I owed {$69.00} on my account which I disagree with. They sent the account to this debt collector who keeps sending emails to my work email address, despite me telling them multiple times to stop sending emails to my work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The company coinbase stated I owed them money and that after I pay them {$26.00} I would be able to buy on their platform. I paid them the {$26.00} and they took my money and then stated buys on my account is disabled even though I paid Coinbase the {$26.00} as part of our agreement. To offer to restore a customer account if a customer pays and then after the customer pays disable the customer from buying on the platform immediately after the customer pays is a scam. I was scammed by Coinbase I have photos and other documentation from customer service representatives to prove this. 

The representatives admitted that Coinbase violated the agreement we had as they stated the restriction my account has is an effect of the previous restriction my account had. Coinbase had me pay them {$26.00} to remove the restriction on my account just to take my money and restrict my account again for no reason. This is a violation of the agreement Coinbase promised me after I paid them {$26.00} my account would be restored just to scam me. 

My account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were done fraudulently without authorization and consent. Please Remove Immediately.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company continues to violate my consumer rights telling they verified and account but never tell me or show proof how.

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 2023-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am being contacted by a collection agency about two medical debts tied to the name " XXXX XXXX XXXX '' from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Despite repeated claims that they i a not XXXX XXXX XXXX and have never received the mentioned medical services, the agency has requested identification verification. I have expressed discomfort in providing personal documents due to identity theft concerns. The collection agency has also reported the disputed debts to credit bureaus, negatively impacting my credit score. I seek the removal of these marks from my credit report until the situation is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

These accounts are showing under negative items charged off as bad debt as the following and should be removed : You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report.

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 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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
This company sold me a completely totaled out car. They did not provide me with a XXXX XXXX This company beat me out of my money. And now they are saying I owe them XXXX on this vehicle. This company is steadily reporting late payments to my credit when they have been sold this car. When the vehicle has been repossessed and sold. I need an updated credit report. It is completely illegal to report balances to my credit after debt has been sold to a collector.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my Equifax, XXXX, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX AND XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXXXX/XX/XXXX {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2023 I submitted a identity theft report, with a dispute letter and with my ID/ ssn card for verification for Transunion XXXX block the inquiries that are remaining on my report due to identity theft. They have decided not to comply with my request which is a violation under 15 USC 1681 c-2.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made of a material basis, representation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information relevant to me as a consumer nor were these items related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I AM asking and block and remove these transactions being reported to my consumer report within four ( 4 ) days of the receipt of this notice.

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 2023-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Autovest, L.L.C.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Autovest LLC violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from 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 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
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened an online savings account with Ally bank in XXXX of XXXX, and deposited {$7000.00} of my personal funds. The transaction went thought successfully, but shortly after, there was a hold on my account, a hold which has been going on for over a year now. The initial issue was my address, but after proof of address was given, I was told the funds I initially deposited will be returned to my account anyway. Months have passed and that has yet to happen. Whenever I called requesting updates, I was told that an investigator would contact me once the investigation was completed. My bank has stated that it isnt legal for Ally bank to withhold my funds for this long. This has caused severe emotional damage as Ive been waiting for my funds to be returned to me. I need someone who is actually going to be able to help me rectify this issue, as the ally bank representatives tend to give me conflicting information. I have countless phone call logs I have made to ally bank over the years, as well as different representative names. Finally Ally bank told me they will return my money once my financial institution ( XXXX XXXX XXXX XXXX ) reaches out for it on my behalf. My bank representative, XXXX reached out XX/XX/XXXX, but was rejected twice by Ally bank. I have the documents showing my banks request being denied by Ally bank. At this point, Im not sure what more I need to do on my end in order to get my funds back. The last time I talked to Ally bank asking them why they rejected my banks request, was XX/XX/XXXX. I was told theyd give me a call back. I am still waiting for that call

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 monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and deleted from 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 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
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX  XX/XX/XXXX {$470.00}

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX, XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX XXXXXX/XX/XXXX {$470.00}

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I have been trying to work on my credit for years I had to apply for XXXX  XXXX in XXXX  which was 7 years ago.the agencies are still holding it against me. I paid off a collection they removed from my credit report this company refuses to. When I filed my XXXX  XXXX it was only to affect me for 7 years. If law has changed since then it should nogt affect consumers who applied prior to the law change. I filed XXXX  XXXX because I had severe identity and my husband had a massive XXXX XXXX. I didnt want to lose my home. I have no credit accept for my student loans. I paid off 6 loans. My loans are not in default nor have they ever. I have already reported the credit companies. My complaint against you is I have know way to increase my credit score however there are many ways to decrease my credit score I want to know why is that I have a document from you that specifically expresses that. This is a form of discrimination. A bankruptcy from 7 years ago should not be a factor in my credit health. Items are removed off your credit after 7 years. This kind of practice is targeted towards a specific class. Because of this I am unable to receive a student loan my last year in college. I need a answer as why I am sized up in such a manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank blocked my online account access unless i clicked that i agreed to their changes detailed in a 124 page non laymen terms document ( i took a screen shot )

Company response to consumer: Closed with explanation