vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and XXXX stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to XXXX, XXXX and Equifax in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that XXXX is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

XXXX, XXXX, XXXX and Equifax failed to what was required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and XXXX stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to XXXX, Experian and XXXX in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that XXXX is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

XXXX, XXXX, Experian and XXXX failed to what was required of them by law.

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 2025-01-09 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: TX

Complaint narrative:
Failed to remove collection account that never belonged to myself. Account was opened without my permission and or does not belong to me. Credit burea failed to provide method of verification of information of proof account belongs to myself. Please remove account and updated my credit report asap. 

XXXX XXXX XXXX Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX 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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I made an instant withdrawal on XX/XX/XXXX that never reached my account. I have been going back and forth with Coinbase ever since. I have provided them bank statements proving that the funds never reached my account, I have also provided them an account statement with signed verification from the Bank Manager stating that the funds never received my account. None of the transaction or reference codes provided by Coinbase can be verified by the bank. Coinbase has offered no resolution method. All coinbase has done is said they " investigated the complaint and the transaction reference number confirming that the transfer was successful. '' Despite my valid evidence that the funds never reached my account, despite signed verification from my bank that the funds never reached my account, Coinbase has continuously failed to provide any further steps to resolve this matter. They just keep claiming that, since it shows as successful on their end, it was a successful transaction, end of story. No further support whatsoever. To further underscore their blatant incompetence, they have opened and closed numerous case files for this singular incident. I have XXXX case numbers : XXXX, XXXX, XXXX. All of which were closed without resolution. 

Coinbase has continuously failed to acknowledge the evidence they requested to prove that the funds did not reach my account, and they continue to consider the matter " closed and resolved '' without offering any further resolution effort. They're simply denying my claim and doing nothing about it. I'm not going to quit filing complaints until my evidence is acknowledged, I'm provided some additional resolution method after repeatedly providing evidence that the funds never reached me, and I receive the instant deposit that I requested on XX/XX/XXXX that still has not reached me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
1.NEVER RECEIVED NOTIFICATION OF DEBT FROM COMPANY. 2. THE CAINE & WEINER COMPANY ACCESS MY CONSUMER CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE WHICH IS A VIOLATION OF 15 USC 1681b AND ALSO AMOUNTS TO AGGRAVATED IDENTITY THEFT AND FRAUD. XXXX ILLEGILY PLACED UNVALIDATED ACCOUNTS ON MY CONSUMER REPORTS AND ILLEGALLY NOT REPORTIBLE BY THE DEFINITIONS OF THE FCRA, AND SETTLED CASE LAW DEFINING WHAT IS REPORTIBLE AND WHAT IS NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
In XX/XX/year> we purchased hardwood flooring for new home construction from XXXX XXXX in XXXX XXXX, NH. At the time of purchase, the store associate offered a 0 % financing offer with their branded XXXX XXXX  credit card, offered in partnership with affinity credit card company Synchrony Bank.. Total purchase amount was {$17000.00}. At the time of purchase, delivery of product was scheduled for late XX/XX/year>, since our home construction had not yet started. Our flooring product was delivered to another XXXX XXXX retail location in XXXX, VT where it was being held in their warehouse until our scheduled delivery in XX/XX/year>. In XX/XX/year> we were contacted by telephone by XXXX XXXX to be informed of their pending bankruptcy. We were told by XXXX XXXX  that we must take delivery of the product prior to XX/XX/XXXX, and if we did not, our order would be cancelled. Our new home construction had just started, and therefore were unable to accept the requested early delivery. Consequently, our order was cancelled by XXXX XXXX on XX/XX/year>. At the time of this order cancellation, we were informed by XXXX XXXX that the refund amount would not be for the total purchase price, but instead we would receive a partial refund in the amount of {$3300.00} due to " rules associated with their bankruptcy proceedings ''. Beginning with initial purchase, we made regular monthly, on-time payments in accordance with our credit card agreement with Synchrony Bank . The {$3300.00} partial refund was also applied to our Synchrony Bank account. The current outstanding refund balance due to us is {$14000.00}. Since this matter begin XX/XX/year>, I filed all required requests and documentation with XXXX XXXX bankruptcy agent ( Stretto ), and also filed a claim with Synchrony Bank. We have thorough documentation. 
To recap : We made payment in full at time of purchase in XX/XX/year> We did not receive any product Our order was cancelled by XXXX XXXX on XX/XX/year>. After order cancellation, our flooring product being held by XXXX XXXX was then sold during their liquidation sale. 
We have received no additional refund other than the {$3300.00} partial refund received when XXXX XXXX cancelled our order. 
We are owed {$14000.00}

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 monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank- I was told I needed to provide of proof of my name as my social did not match. I sent all required documents and was told everything was approved. In XXXX they started taking back up withholding. I called and emailed and they apologized and told me it would be fixed immediately and returned my funds. It happened again in XXXX. I have now spent over five hours being told to call back over and over. They keep apologizing and telling me it has been fixed but my funds have not been credited. They acknowledge it should not happen but refuse to do anything. I am not sure what to do. They continue to make false and misleading statements about my money and the status of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2024 XXXX started taking money from my Wells Fargo bank account. It was over a span of 2 weeks. When I first notice this I tried to contact XXXX directly but they wouldnt respond to me and kept taking money out of my bank. I contacted my bank to file a fraud claim and put a stop payment on the account but XXXX was still able to get another {$1000.00} out and Wells Fargo denied my claim. They told me to contact XXXX directly but when I try to contact XXXX they wont respond to me and say that I dont have an account with them. At this point I dont know what to do. Im out {$69000.00} and Wells Fargo wont help me out even though I never authorized anything. I put a stop payment and was assured there wont be any more money coming out of my bank, just for it to be taken {$1000.00} a week later.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my report on the annual credit report website and was denied access to my report because I failed the security questions and tried to reach out by phone and I had issues trying to contact them because of my phone contains malware and someone took control over my data and information. I want to cancel all services concerning the credit monitoring because of my data being sold online without my consent and ongoing abuse.

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 2025-01-10 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings
State: AL

Complaint narrative:
I have several inquiries and I also have incorrect info being reported. I also have creditors I dont ever realize having accounts with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Inaccurately Reported Account Dear XXXX, I am writing to demand the immediate deletion of the inaccurately reported account : Account Name : XXXX Account Number : XXXX This account is being inaccurately reported as having a charged-off status month after month, which is legally and factually incorrect. As you are well aware, an account can only be charged off once, and any subsequent reporting of a charge-off status month after month constitutes false and misleading information. 
Your failure to accurately report this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report. 
This account must be completely deleted from my credit report within four ( 4 ) days of your receipt of this letter. I also demand that you do not attempt to update or modify the account in any way, as I have already obtained a copy of my credit report showing the existing inaccuracies.

Under FCRA 1681n, I am entitled to {$1000.00} per violation for your failure to comply with the law. However, I am giving you the opportunity to resolve this matter amicably and avoid further escalation. All you need to do is remove the account from my credit report immediately. 
I trust that XXXX will act promptly and appropriately to resolve this issue without further delays. 
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 2025-01-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Inaccurately Reported Account Dear XXXX, I am writing to demand the immediate deletion of the inaccurately reported account : Account Name : XXXX Account Number : XXXX This account is being inaccurately reported as having a charged-off status month after month, which is legally and factually incorrect. As you are well aware, an account can only be charged off once, and any subsequent reporting of a charge-off status month after month constitutes false and misleading information. 
Your failure to accurately report this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report.

This account must be completely deleted from my credit report within four ( 4 ) days of your receipt of this letter. I also demand that you do not attempt to update or modify the account in any way, as I have already obtained a copy of my credit report showing the existing inaccuracies. 
Under FCRA 1681n, I am entitled to {$1000.00} per violation for your failure to comply with the law. However, I am giving you the opportunity to resolve this matter amicably and avoid further escalation. All you need to do is remove the account from my credit report immediately. 
I trust that XXXX will act promptly and appropriately to resolve this issue without further delays. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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