vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 I found my trucker was leaking oil so I was looking for the body shop to fix it. I called the body shop and they said I need to pay first then they could waited me so I driver my trucked to their shop by my own ( no tow service )! When I got the body shop they said no parts so cant help to fix so I asked them to refund my payment but declined because no services provided to me. The guy in the shop only took XXXX mins to check my trucker then on his call about XXXX mins! Thats their services? When I left the body shop I called my bank WELLS FARGO go dispute this charge. This morning XX/XX/2024 the banker said they asked the business said thats their business policy so couldnt refund my payment! IT IS TOO RIDICULOUS! No service provided then charge me over XXXX XXXX XXXX!! Seriously? And the bank close my claim! Should the bank needed to be protect customers right? 
I have to complain with CFPB to get my money back because no service provided at all! 

Please see on the receipt it says call out fee ( actual we drove to their shop by our own ), shop supplies ( they said no parts ), labor fee ( no service ), service fee? It charged me {$450.00} The Wells Fargo claimed number is 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 2024-10-15 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: NJ

Complaint narrative:
I am filing this complaint regarding my TransUnion credit report, which contains a lot of inaccuracies that are hurting my credit score very badly. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, documented, and validated before being used by creditors. However, the data being reported on my file does not meet these standards by far. Here are the accounts that I've found : XXXX XXXX XXXX This is not my account. The information reported is outdated and inaccurate, which violates 15 U.S.C. 1681c. I requested verification of this account but have not received any proof that it was verified. The account details do not match my records, and I have not received any documentation to confirm its accuracy. 

XXXX XXXX This is not my account. The agency reporting this account is in violation of 15 U.S.C. 1692g, as I was not notified in writing within the required timeframe. Only the original creditor can validate this debt, and I do not acknowledge or validate this debt. 

DEPT OF EDUCATION This is not my account. Despite this, it continues to appear on my credit report inaccurately. 

These issues have significantly affected my credit report and, by extension, my financial standing. I have tried to have these inaccuracies corrected, but I have not seen adequate action from TransUnion. I am seeking your help in ensuring that TransUnion properly investigates these claims and makes the necessary corrections as required by law. I appreciate your time and help in resolving these issues.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C . 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears relate to one of the aforementioned accounts.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C . 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears relate to one of the aforementioned accounts.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-15 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: NJ

Complaint narrative:
I am filing this complaint regarding my Experian credit report, which contains a lot of inaccuracies that are hurting my credit score very badly. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, documented, and validated before being used by creditors. However, the data being reported on my file does not meet these standards by far. Here are the accounts that I've found : XXXX XXXX XXXX- This is not my account. The information reported is outdated and inaccurate, which violates 15 U.S.C. 1681c. I requested verification of this account but have not received any proof that it was verified. The account details do not match my records, and I have not received any documentation to confirm its accuracy. 

XXXX XXXX - This is not my account. The agency reporting this account is in violation of 15 U.S.C. 1692g, as I was not notified in writing within the required timeframe. Only the original creditor can validate this debt, and I do not acknowledge or validate this debt. 

DEPT OF EDUCATION - This is not my account. Despite this, it continues to appear on my credit report inaccurately. 

These issues have significantly affected my credit report and, by extension, my financial standing. I have tried to have these inaccuracies corrected, but I have not seen adequate action from Experian. I am seeking your help in ensuring that Experian properly investigates these claims and makes the necessary corrections as required by law. I appreciate your time and help in resolving these issues.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am writing to follow up on a previous dispute I submitted regarding an unauthorized account with XXXX XXXX, which is currently listed on my consumer report with ChexSystems. Despite my request for its removal, you have failed to comply within the laws within consumer rights.

Per 15 U.S.C. 1681s-2, you are obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that all information on my consumer report is accurate and free of errors. Failure to correct or remove inaccurate information violates my consumer rights!!! If this issue is not resolved and the XXXX XXXX XXXX XXXX XXXX isnt removed from my report, I will have no choice but to pursue legal action! Ive submitted all documentation on this matter as its been over 2 years and this info shouldve been removed!

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 2024-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report has errors under 15 USC 1681c-2, listing unauthorized hard inquiries. These errors are damaging my credit, and I request their removal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
I've noticed that my credit report has been affected due to the mixing of my personal information with the details provided on this webpage. It's essential to keep these separate to ensure accurate credit reporting.

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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Subject : Coinbase Account Locked and Unresponsive Support Summary : Since XX/XX/year>, my Coinbase account has been completely blockednot just restricted, but entirely inaccessible. I can not log in, nor can I contact Coinbase support to open a ticket or inquire about my account. I no longer have access to the funds deposited on the platform, and despite my efforts, Coinbase has not provided a resolution to this issue. 

Timeline of Events : XX/XX/year> : I received an email stating that my XXXX  wallet on Coinbase was deactivated due to eligibility restrictions. 

XX/XX/year> : I received a request for additional Know Your Customer ( KYC ) information. Coinbase gave me 15 days to provide details about my occupation, the source of my funds, and additional documentation. However, I was on vacation and missed the deadline. 

XX/XX/year> : I attempted to log into my account and received an error message stating that I should " try again later '' and that my funds were " safe. '' I immediately opened a case ( # XXXX ) for account access issues, but the problem persisted. 

XX/XX/year> : Coinbase sent another email requesting the missing information and warned me that failure to provide it within 5 days would result in account restrictions. 

My response : I replied to Coinbase explaining that I am more than willing to provide the requested documents, but I can not access my account to do so. I explained that every time I attempt to log in, I receive the same error message. 

XX/XX/year> : I finally managed to respond to their KYC request, providing the requested information and documentation. However, I continued to receive KYC requests and reminders as if I had not submitted anything. 

XX/XX/year> : Coinbase responded to my formal complaint, stating that I had not provided the requested information. However, I had already sent the required documents twiceon XX/XX/XXXX and again in response to their XX/XX/XXXX request. 

Recent KYC Requests : Even after fulfilling their requests multiple times, I continue to receive KYC emails. The last request was on XX/XX/year>, to which I responded again, but no feedback or resolution has been provided. 

Current Situation : I am still unable to access my Coinbase account and the funds within it. I am in the process of relocating from XXXX XXXX to XXXX, but as of now, I am still fiscally domiciled in XXXX XXXX. Despite complying with Coinbase 's requests, I have received no resolution, and I am now seeking external help to regain access to my account. 

Request for Resolution : I am seeking the CFPB 's assistance in ensuring that Coinbase reopens my account, provides access to my funds, and improves their support and communication regarding these issues. I have fully complied with all their requests, yet my account remains blocked without any explanation or way to resolve the issue. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo knowingly and intentionally engages in civil and criminal violations with respect to the mismanagement of my account and assets. 
XXXX. ) Wells Fargo knowingly and intentionally, in bad faith, blocked my ability to dispute transactions online which would provide a paper trail of the dispute. 
XXXX. ) Wells Fargo knowingly and intentionally destroyed, subverted, or conceals disputes because of some type of criminal alliance it has with with one or more branch via federal government itself and/or one or more private parties/entities. 
XXXX. ) XXXX XX/XX/year>, as a result of the foregoing, I was forced to incur the costs of mailing a written complaint to Wells Fargo regarding the criminal and civil misconduct occurring on the XXXX XXXX as provisioned for Visible.com for which I paid a monthly premium. 
XXXX. ) This is the second time disputing separate matters with Visible.com neither of which has been investigated by Wells Fargo but rather Wells Faro misrepresented the heart of the matter to one or more government agencies which is both a civil and criminal offense. 
XXXX. ) The facts show that the CFPB itself is involved directly with this civil-criminal misconduct. 
XXXX. ) See the attached with respect to the foregoing. 

Regards, 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 explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I found unauthorized inquiries on my credit report today, and I have no clue how they got there. I check my report regularly, but this time there were unexplained discrepancies. I even tried refreshing the browser, hoping it was just a glitch, but the inquiries didnt go away. Im extremely frustrated and want this issue resolved immediately. Please double-check the documents Ive sent so this doesnt happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: CA

Complaint narrative:
I have a HELOC loan with Bethpage Federal Credit Union. I have an outstanding balance on this loan and i make regular interest payment. I have made all my payments on time. I have tried to make principal only payment but they have refused to process that payment. I am told by the bank that i have to make my regular interest payment first before they can accept a principal only payment. I schedule my interest payment to be processed on the due date. I am told that once the monthly statement of interest due is generated, i can not make a principal only payment until the interest payment is made first. There is only 2 days between the payment due date and next month 's statement generation. This means i can not make principal only payment for 28 days of the month if i have not paid the interest payment. This does not seem right. I would like some guidance on this and if this is a normal practice for banks to do.

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 2024-10-15 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: GA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Reporting XXXX XXXX XXXX and XXXX, XXXX Dear TransUnion Customer Service, I am writing to formally dispute late payment entries on my credit report. My credit report indicates that I have late payments reported by XXXXXXXX XXXX XXXX  for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Additionally, I wish to dispute late payments reported by XXXX, XXXX for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) as stated in 15 USC 1681a ( 2 ) ( I ) to request a thorough investigation into these accounts. According to the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report.

As per consumer laws, specifically 15 USC 1666b and 15 USC 1692g, I believe that these late payments may not be accurately reported, and I am requesting verification of the details related to these entries. I kindly ask that you provide me with documentation that confirms the validity of these late payments. 
Please conduct a thorough investigation into this matter and correct any inaccuracies found in my credit report. Also, if this companies are furnishing these inaccuracies, how is it that on XXXX it is reporting that I have never been lat. 

I appreciate your prompt attention to this matter, as it has a significant impact on my creditworthiness. Please respond to me at the address provided above within the time frame allowed 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dispute letters were sent on XXXX XXXX XXXX  and no response from the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: DC

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation listed, they either pay me or delete this account ASAP.

Company response to consumer: Closed with explanation