vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor XXXX doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with XXXX when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. XXXX furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor XXXX doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with XXXX when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. XXXX furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have wrong item reported in my credit profile by Transunion only. Please help me to remove it because this account is not mine and I have a very good credit profile, and suddenly this fraud item appeared its not fair. Thank you for understanding and I hoe you will remove it.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
On XX/XX/2021, I attempted to load my account with XXXXUSD from my bank account. I was given the funds but was later told through email that my withdrawal from the bank failed and I had 5 days to pay. Well on XX/XX/2021 the funds were recovered from my account but they took far more than what I owed. I made a complaint I was receiving responses then its just been silence for the last week. I received an email stating that XXXX Cardano had been recovered for my debt. However when I checked my coinbase pro account I had 9 withdrawals from XXXX am XX/XX/XXXX. Four transactions were from my cardano for XXXX each. Another from Cardano at XXXX totaling over XXXX Cardano. There were four more transactions from my etherium. Two were for XXXX and another two for XXXX totaling XXXX ETH. My account has security which requires a verification number being sent to my phone in order to make withrdrawals. The email confirmation they sent matches the time exactly of the withdrawals. I only want whats mine and what i payed for with my own money. I understand that I had a debt that needed to be collected however far too much was taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
Dear CFPB, I took out a Title Loan from XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX. The AMOUNT FINANCED was {$5300.00} at 76.32 % APR. 

The Contract states there would be 42 Payments of {$360.00} totaling {$15000.00} ( TOTAL OF PAYMENTS ). I fulfilled the Contract by making 47 ON-TIME Payments of {$360.00} totaling {$17000.00}. This was {$1800.00} MORE than the Contract says I owe. 

However, XXXX just repossessed my vehicle on XX/XX/2021 and are now claiming I owe them {$11000.00} MORE to get my vehicle back! 

I don't believe they have the right to seize my vehicle after I paid 47 ON-TIME Payments when the contract only calls for 42 payments. This loan should be paid off. 

Now they have repossessed my vehicle and are demanding I pay them {$11000.00} more after I have already paid them {$17000.00}? On a {$5300.00} loan? This makes no sense. 

The Rep I spoke with said they are planning to sell my vehicle if I don't pay them right away. Please investigate this as soon as possible and let me know what can be done to get my vehicle back. I heard you might be able to help. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I believe that this will cause me some inconveniences in my futures credit transaction, I would like this to be taken care of.

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I was hospitalized from XX/XX/XXXX through XX/XX/XXXX in the respiratory ICU. Fully immobilized and on a vent. During this time my XXXX and XXXX XXXX with Synchrony Bank became past due. The last payment I was able to make on this account was XX/XX/XXXX. I am single and no other authorized users were on the account. However, my parents who were my immediate next of kin and medical emergency contacts attempted to contact Synchrony to inform them of my hospitalization along with discussing payment options. Their attempts to make payments on my behalf were refused and the account eventually became charged off. 

A week ago, I received a summons, as I am now being sued for non-payment. This is the first communication that I have received regarding this account as last year no correspondences or mailings arrived alerting me to this debt since my discharge from the hospital in XXXX of XXXX. 
While I do not dispute the debt, i do not agree with the measures that Synchrony took to handle the account given attempts were being made to reconcile the debt before a law suit. Additionally, I had two other accounts owned by Synchrony ( Banana Republic & GAP ) that were paid off by my next of kin during my period of incapacitation.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I'm writing on the falsified claim that American Express makes against me, its manipulation of the service relationship, and its efforts to obtain unfair advantages and infringe on my consumer 's rights of honest service. 

On XX/XX/XXXX, American Express made the claim that " our attempts to send you an email about your XX/XX/XXXX Billing Statement were unsuccessful ''. The claim was totally fabricated. Ive been receiving countless emails from the company on various dates, before and after XX/XX/XXXX. There had been NO unsuccessful email attempts. American Express representatives confirmed that there was no record of unsuccessful attempts at all ( see attached document : Amex XX/XX/XXXX ). The company could not provide the bounced email message or other proof to support its claim. 

In making the false claim against me, American Express tries to manipulate its service relationship with me and gain unfair advantages at the cost of my consumer rights. The company threatened to unilaterally alter the billing if I do not follow their instructions within ten days ( see attached document : Amex XX/XX/XXXX XXXX. 

And the damage was not just limited to the alternation of billing. On XX/XX/XXXX, I also received message in the American Express online account that my credit limit was lowered because the company unilaterally determined to change it based on my income. I faithfully disclosed my income, and Amex initialized the credit line last year. I have full proof that my numbers were actual and authentic, and my income has increased since last year. Yet, the company determined to arbitrarily alter the service. Its ungrounded and derogatory action caused damage to my credit rating. 

Based on the above, American Express is communicating falsified information to its consumer and tries to gain advantage over its client through fraudulent practices. Such practices, conducted via mail and/or email, constitute a deprivation of honest service. I request investigations into such potential frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I find it dissatisfying would like it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the last 4 years Equifax has allowed a property management company, XXXX XXXX XXXX to report inaccurate information to my credit file. I have disputed this information 8-10 times, along with documentation to provide proof of the account, which is being reported as a loan/bank loan account, now a Mortgage account. This is a property management company, where I was on a month-to-month lease. After resignation of my job ( XXXX XXXX XXXX XXXX they manipulated my payment ledger, and filed eviction for not payment of rent. It was granted in their favor, a judgement for {$1500.00}. Within a month they reported a loan account of {$5300.00} to my credit file. Under the XXXX XXXX Companys name, not the Apartment Complex for whom the judgement was given. Theyve charged me for no 30 day notice ( eviction filed ) breaking a lease contract, a reletting fee, bogus cleaning fees, and damages they refused to fix while living on property, for the company I worked for. I have been fighting this company for 4 years first with credit repair, To settle, Equifax, and now a bankruptcy because they refuse to report accurate information so that the debt be settled. I could not pay two separate debts, for the same company. It took 3 months to get them to discharge the debt by federal court order. I had to have my attorney contact them. They are to date reporting inaccurate information, in violation with the law including The Fair Credit Reporting Act, as well as my entitlement to a fresh start in bankruptcy. They have kept me from having a place to live, and have complicated my responsibilities at my job because of inaccurate information reported to my credit. I have contacted the civil department in the court where judgment was given, and was told that the company must send a letter of release to have the judgment disposed, because the debt has been discharged. I have been unable to get their cooperation. This is unfair. Life altering. Also a double Jeopardy issue. A judgment stands for their apartment complex, and what they have reported is a different amount as a loan, instead of a collection. They know when you apply for an Apartment, multiple mortgage accounts disqualifies you from renting. My first mortgage was a home lost in XXXX. They are reporting a second, and a judgement they refuse to release Although the federal court has discharged the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2018 Experian, XXXX, XXXX violated by rights as a federally protected consumer. I have proof Experian, XXXX, XXXX is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Experian, XXXX, XXXX written consent to report any of my personal information. Experian, XXXX, XXXX  also violated 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Experian, XXXX, XXXX has stated they recived this information from the XXXX court house which is false. I spoke with the court house and they stated it is not there policy of the court to report to any credit agency.Experian, XXXX, XXXX has harmed my reputation and oppress me from receiving services or good pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I transferred XXXX Stellar Lumen cryptocurrency worth US {$76.00} at the time to my account at Coinbase, following their instructions. When the money was not received I asked about it and they claimed I had to send them more of the same cryptocurrency to prove the transfer was for me. I told them I sent all I had, and all they did was parrot the same lines again, and later on, ignore me. They are supposed to return the crypto to the originating account after 30 days if they can't apply it. Instead, they fraudulently kept it for themselves. The record of the transfer transaction is here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am showing a Hard Inquiry from Capital One on my XXXX  and XXXX  Credit Report from XX/XX/XXXX. I already have a card with Capital One and have not applied for another one. I have been offered credit increases and I have checked if I was prequalified for a new card with them but I have not authorized a credit check with them since I first opened my card on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
My account was suspended for over 5 days with no explanation as to why or what the problem was with my account. I was out of the country during the locked/closure and was forced to stay an additional 3 days until I was able to secure funding to afford to return to the United States. The money in the account ( {$3800.00} ) has not been returned to me. The money is all that I have and is not only working capital for my XXXX but also money for my basic living expenses. I have incurred shut offs, late fees and returned check fees because of this account closure. I was denied a PPP loan for {$17000.00} because of the account being closed right before finalization of the loan. I am unable to pay my rent or cover XXXX expenses, the account closure has prevented me from feeding my family, paying medical co-pays for medical care, I do not have the money to put gas in my vehicle. I had several automatic payments tied to the account including educational and professional webpages that I can no long access without making my account current. This action by XXXX has put me, my family and livelihood in jeopardy. Everyday Im losing money and this is only exasperating the situation to a point that has become untenable for me. I have not receive my money or even a good reason as to why this action was taken towards me. The customer service is just pre written responses that state I will receive an email explaining why. I have not received that yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of a security breach and fraudulent activity on my report and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.

Company response to consumer: Closed with explanation