vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am unaware of this debt, i didn't have a opportunity to dispute this information. if in fact you believe you gave me proper notification, then please send me the Certified receipts with my name on it with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: DISCOVER BANK
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
To Whom It May Concern : I have tried over and OVER sending copies of my driver 's license ID, Social Security card, utility bill, photo as requested numerous times and I am still restricted on my account to where I can not sell my crypto or buy crypto. I can't withdraw either without being able to sell my crypto. I have had gains on my investments and can do nothing. During countless calls, I am asked to please hold for 5 minutes while I review your account several times.and with all due respect, during every call, there is a clear language barrier and this just further aggravates the situation. I have followed the numerous steps sent to my email & requested of me via phone. I have lost time/money at work trying to resolve this issue which can be reviewed on these Coinbase case tickets : XXXX XXXX XXXX XXXX XXXX XXXX. 
At this time, at XXXX on XX/XX/2024, my balance is XXXX and climbing. It was under XXXX when the first case was opened. 
I stand to lose money due to my inability to access my account. This is absurd!! If something is inconsistent with my information that Ive submitted, then when I initially signed up, Coinbase needs to let me know- and resolve this. My funding source, XXXX is associated with my business email of XXXX. The email associated with my coinbase acct is XXXX. I have bank records of all my transactions on Coinbase. What else do they need??? I have successfully uploaded my Driver 's Lic to my profile recently. I use face recognition as my 2-step verification on my phone... ..It will say that I've been verified via email but then turn around when I sign in and say unable to verify my identity. Ive been told by one of their customer service reps to open another account & then told by another rep, after the fact, no that is not correct. 
I filed a complaint through Coinbase- complaint # XXXX and have received no response or resolution. 
I expect resolution to this asap since I have offered up all the credentials needed to verify that I'm the account holder. Customer service stated that my case has been escalated for review but I have heard nothing. Crypto is booming right now and I have no option to cash out any gains .This is unreasonable to the point where I feel Coinbase is deliberately holding my money & the fact that they have my social sec card makes me extremely uneasy. I can not put a name to the person ( s ) that received it. Your assistance would be greatly appreciated!! 

Thank you!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Refuses to to update address to current address even after receiving ID and 2 year lease agreement

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 2024-03-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent XXXX an application for a hardship modification due to the fact my hardship from being unemployed had ended. The loan was still in forbearance at this time, I had not started the job because orientation was XX/XX/XXXX. So, XXXX wanted the offer letter from the company to see potential earnings and how often the pay is along with a written letter about the status of my hardship. I called XXXX to check the status of the information I sent them via their email XXXX I was told I sent the wrong application and another one will be mailed out to me. There is only one document for mortgage help through this company. I finally received the new application the exact same document that I got off their website only difference it has a tracking number. I filled all entire application out like I did before, let me also state I attached all my bill statements to the first application so that they could calculate my new monthly payment. I received a letter from the bank stating that they needed a month worth of paystubs and a verification of employment from the company I work for on company letterhead ect. There is a verification hotline for the company called : Vault verification with my company code which is : XXXX the company name is XXXX. Once I started work it rook 2 weeks to receive my first paycheck like most companies but I sent the first two check stubs to XXXX with my name and mortgage number on each document for the application. I contacted HR at XXXX to ask if they could give me an employment verification letter and XXXX agreed, I sent the letter and 3 pay check stub to XXXX every time you send an email to XXXX you get a notification from them that they have received the documents. I did everything I was supposed to do to get this hardship modification done yet once again a failure on there part to process my application in a timely manner. Every time I called to check the status of my application I got a different response from each agent. I recorded all conversations with them and it was a big fat run around. The documents state that your application gets stale after 90 days. This the second time I am reporting this company to you because nothing is being done about their bad banking business practices. I have all the evidence to support my case can I file a complaint with HUD because I am thinking Its a discrimination case?

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 2024-03-08 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil 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 non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Was basically scammed by someone they did their investigation twice and then send a letter saying I benefited from this fraudulent deposits with no proof sent to me showing I benefited from this XXXX they closed the checking account and took {$4000.00} from my savings account to cover the account they closed I want my money back and I want proof that I benefited from all this fraudulent XXXX if not Ill will seek legal advice

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 2024-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
Someone stole my identity and opened the light bill in my name, without my consent, or permission or authorization Any authorization verbal nonverbal, written, or unwritten I am now resending that authorization via 15 usc 6802

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
Well Ive been making my payments as I have for the last XXXX  years and they are not showing my payments. They have been sending me past due notices even though I have documentation that they have cashed my checks. Ive spent hours waiting to get a person on the phone and when I do I get the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-08 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: NM

Complaint narrative:
I received my federal tax returns {$3600.00} and credit karma had placed a freeze on my account and when I called they say to me is I have to wait for a email for further instructions, I now have a total of XXXX case numbers with them it has been approximately XXXX weeks since situation occurred. I have also ched with XXXX, XXXX, XXXX  and all three I have no holds or freeze or Locks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I disputed inquiries on my report that were not related to things i consented to. After less that 12 hours they deemed their investigation complete and did not fix anything on my report or thoroughly do an investigation Items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyEQUIFAX MORTGAGE SERVICES XXXXEQUIFAX MORTGAGE SERVICES, 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting 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: AE

Complaint narrative:
Greetings and Blessings from the Most High God, I am writing to you regarding recent verification of certain accounts associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to request information regarding the method of verification used in the process. 

The accounts in question have been marked as verified, and as a consumer, I am seeking clarification on the specific method or methods employed by your organization to verify these accounts. This information is essential for me to ensure that the verification process complies with all legal requirements and standards set forth by the FCRA. 

Account ( s ) - XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX Please provide detailed documentation outlining the method ( s ) of verification utilized for each of the verified accounts. This may include, but is not limited to, any correspondence exchanged with the original creditor, verification through reliable third-party sources, or any other means deemed appropriate under the FCRA guidelines .

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 2024-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Check Recovery Bureau, Inc.
State: MT

Complaint narrative:
XXXX sold the debt to United Check Recovery Bureau Inc. My original debt was incurred in the state of VA . When I was originally contacted about this debt I provided them an updated address which then told them I was no longer in EST but MST time zone. 


On multiple occasions, they have called me at XXXX XXXX  mst. 

Today XX/XX/2024, they called me again at XXXX mst.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Ave Student Loan Servicing, LLC
State: FL

Complaint narrative:
I previously requested on XX/XX/year> College Ave to fix my credit report due to violation of two consumer laws. On XX/XX/year> they decided to only speak on accuracy and not privacy and continue to violate consumer laws- 5 U.S.C 1681 SECTION 602 A. States I have 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 consent. 

I would like the charge off removed or I will seek {$1000.00} penalty for violating. This was reported to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-08 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: NC

Complaint narrative:
Score has dropped by XXXX points in the last 2 months for no reason ( XXXX, XX/XX/2024 ). I am never late on payments, credit utilization is low, no new accounts opened, have long history of credit open. I have no reason for the significant drop in credit score, my accounts are frozen with the credit bureau

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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