vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
2 months ago, I sold my crypto currency on Coinbase for USD. I am unable to add my bank account to transfer my funds. I receive the error message you are unable to add a bank account at this time, please contact customer service I have spoke to countless customer service representatives about this issue, provided all documentation they are requesting, selfies, answered every single question theyve asked, etc. only to be continually given the run around from every single rep that they are addressing the issue and will get back to me within 3-5 days. They simply do not follow up. I then reach out to another representative and this ridiculous cycle starts all over again. This is absolutely criminal and predatory on Coinbase. They are intentionally and purposefully withholding my money under the guise that they need additional documentation on my part which is false as Ive provided everything and have been more then compliant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-24 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: SC

Complaint narrative:
Fox Collection Center is reporting to all XXXX credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with e 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect a debt in my state of South Carolina. The have violated my rights by fraudulently accessing my consumer file and invading my privacy. I have never signed a contract with this company. I have not only asked for a signed contract and original signature from said company or whoever the claim to be collecting on the behalf of. ANd nothing, no avail, no response, no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and there are several fraudulent inquiries, I demand them to be removed. I have attached my filed FTC report as well, the following inquiries need to be removed from my report : SXXXX 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 explanation
Consumer complaint received 2024-04-24 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: LEXISNEXIS
State: SC

Complaint narrative:
As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called XXXX and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. XXXX, XXXX, XXXX, XXXX XXXX XXXX, LexisNexis, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. I know my rights and I will XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Macys account has been hacked. A scammer stopped my paper billing and changed it to electronic billing to an email address that is not mine. An account number has been changed ( last digits XXXX ) and charged approximately XXXX. 
I have called the company and have gotten no satisfaction. I have written to Macys Amex and the credit companies. I have filed a police report and put a freeze on my credit reports. Ive filed with ID theft and spoke with the Attny Gen regarding this issue. My credit has been damaged due to this identity theft and has not been restored.

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 2024-04-24 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient has yet to post my payment for the month of XXXX XXXX. The check cleared my bank almost XXXX weeks ago. I have even uploaded a copy of the cancelled check. This is not the first time this has happened. In fact, I have filed complaints before about this happening. It seems to be happening on a regular basis now. I refuse to do online payments and wish to send in checks. Each time the check has cleared my bank and has proof that Navient is the one who cashed them. I am sending the checks to the correct address with my full account number on them. I am also sending them well before payment is due. It is becoming frustrating having to get a copy of the cancelled check to submit to Navient every few months because they misplace my payments. 

This has been a very difficult company to deal with. I was also XXXX of the victims of their forbearance scam in the early XXXX. I have been paying back my loans now since I am not XXXX who will be getting the rest of it forgiven since I was not led into the right type of repayment plan by them. The fact they are getting more money than I originally owed and are now constantly losing payments is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-24 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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
the account is XXXX XXXX XXXX XXXXXXXX

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 2024-04-24 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:
The following information needs to be investigated.I d I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. id not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
In XX/XX/2024 I opened up a contract with XXXX rental agency utilizing my debit card to complete the transaction. A pre authorization hold of {$500.00} was placed on my debit card. As I extended my rental more pre authorization holds were placed on my account. I called both XXXX and the bank to ensure that I would not be double charged for funds that were already pulled from my account that I could not utilize while they were on said hold. I was told by a SOfi banking representative that once the car is returned the authorization holds would be pulled and utilized towards the bill from XXXX. I returned the vehicle on XXXX. On XXXX I noticed my bank account was negative {$1300.00} the exact balance plus {$300.00} that was put on authorization holds from XXXX and the bank. It has been XXXX  days since one hold has been released. When I contacted SOfi they told me there was nothing that they could do that they could not release pre authorization holds. There was an issue with at least one transaction where I did not approve of the amount. Im now forced to wait until the end of XXXX before I can dispute that transaction. Ive used XXXX different debits cards and never had to wait more than 7 business days for the pre authorization holds to be released. Now my account is- {$1300.00} ( {$1300.00} thats sitting as a hold on the account mind you After filing a complaint already I received a pre written response, the same response that I had gotten from multiple agents at the banking center before my complaint was closed with no action or answers. XXXX has stated multiple times that they are not responsible for releasing funds it is up to the bank. This is insane that a company can keep funds for over 40 days once a contract has ended, and admit to doing so without any repercussions. So-fis response states that they would release the funds once the authorization was lifted and XXXX is saying it has been lifted so clearly no one is communicating properly or willing to actually do any investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-04-24 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: FL

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Permissible Purpose ). 

Unauthorized Hard Inquiry Details : AL XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX COAF Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX JAMBOREE XXXX XXXX, CA XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX JAMBOREE XXXX XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX FCU Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX AUTO FIN Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX SUN XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023

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 2024-04-24 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in Transunion only.

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 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. Mariner finance has refused me 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. XXXXXXXX XXXX has refused me 1099.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My XXXX XXXX account went up XXXX points in one day. It showed all of my accounts in collections removed, my XXXX XXXX  removed, new credit cards showing up as just added. Then dropped XXXX points a few days later. 

Then today XX/XX/2024 my XXXX XXXX account showing Equifax is up XXXX points with all of my collections removed, old accounts showing just added, student loans being removed. There were over XXXX changes to my credit report overnight. I'm sure that my credit score will drop XXXX points like last time. No one online has been able to get ahold of a real person to resolve any of their issues. Some people are waiting 2 hours and still aren't able to speak to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: ID Analytics, Inc.
State: PA

Complaint narrative:
This XXXX XXXX XXXX XXXX XXXX XXXX has a credit file on me but does not even report in my state of residency of XXXX. There is not even a way to dispute the fact that i was a victim of identity theft as they don't have an option to contact in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: OH

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
my identity was compromised on the dark web when i started my trucking company and ive been having trouble since

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