vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I sold a XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX who is the buyer purchased the truck in the amount of {$21000.00} including snow plow. The buyer paid off the truck by writting and sending a check to GM Financial. We have to this day not been able to get a title as the XXXX in the state of XXXX  says that GM has not removed the lien. I Have spent about 40 hours in total trying to get this resolved including the following action : 1. three visits to XXXX 2. multiple phone calls in XXXX and in XXXX, total phone time exceeding XXXX hours ) XXXX various escalations and promises to resolve. 
4 the seller has not been able to use the truck.

5. it has now been 16 months that the truck he purchased is sitting on his driveway.

6. I have not been paid the difference of the $ XXXX and the payoff since I have not delivered a title to the seller as promised. 
This is absurd and abuse, I can not belive that this can happen in a country like America where the consumer is supposed to be at least somehow protected. 
7. I spoke with GM on the phone yesterday and they said it would take 6-8 weeks to see my request but there is no certainty that it will work.

8. It appears GM had a glitch with the XXXX  XXXX and they have not released lien.

9. I would like to be compensated financially for all the time I have spent on this, in the amount of {$720.00} that represents {$18.00} per hour for all the time I Have spent on this ( 40 hours total ) I would also like interest on the money that I am owed that I have not been paid for 16 months now.

10. I am requesting that the cpfb please help get this lien released, as there is nothing more that I feel like I can do.

11. there should be a class action lawsuit for this, as I spoke to XXXX and they said that I am not the only one with this situation.

12. I am still being charged property tax from XXXX, my account is in collections as I am unable to pay the county, but this is tax that I don't own, even though they claim that I am still the owner.

13. this has impacted the lives of multiple people and has damaged my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
I wished to file a complaint against Coinbase as I saw their user agreement contained the following text which claims they can use retaliation as a reason to terminate a customer account : " 6.10. Suspension, Termination, and Cancellation. Coinbase may suspend, restrict, or terminate your access to any or all of the Coinbase Services, and/or deactivate or cancel your Coinbase Account ( XXXX ), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you. You acknowledge that Coinbase 's decision to take certain actions, including limiting access to, suspending, or closing your account for any reason in our sole discretion, XXXX be based on confidential criteria that are essential to Coinbase 's risk management and security protocols. You agree that Coinbase is under no obligation to disclose the details of its risk management and security procedures to you. '' As I understand it, Coinbase operates as a Money Services Business. As such, they must comply with the XXXX XXXX XXXX Reform and Consumer Protection Act. 

I attempted to contact customer support on the issue and explained how the wording for that section violated the consumer protections on " Prohibition of Unfair, Deceptive, or Abusive Acts '' and also citing the relevant sections of Section 1031 ( 12 U.S.C. 5531 ), Section 1057 ( 12 U.S.C. 5567 ), Section 1036 ( 12 U.S.C. 5536 ). I further explained that having a section within the user agreement which violates public policy ( and should therefore be unenforceable ) made me feel like a victim of fraudulent inducement. 

I did not know why the complaint form webpage they had was not functional. At first, it stated I needed a customer support reference number. I obtained this from an agent, but the number was never considered valid by the complaint webpage despite following all provided instructions. 

As the customer support number must be accepted before you can actually proceed to fill out the complaint form, the webpage was non-functional. I explained to customer service that if the complaint webpage did not work, I would instead file it with the CFPB. I felt that my attempts would have satisfied the user agreement requirement to file complaints with Coinbase first and the agent agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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 explanation
Consumer complaint received 2024-10-27 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MN

Complaint narrative:
They have no right to collect this debt ask them to provide verification of a contract. Then tried to dispute multiple times and its coming back verified but they need to provide verification there not even the original collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just got back to the country and went to apply and saw a accounts from 2018 that never belonged to me or i authorized to open

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 2024-10-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My XXXX XXXX and Citibank credit card information was given to merchant XXXX XXXX online but after a month my Financial information was jeopardized so I closed my bank account and froze my Citibank credit card. In spite of which merchant was allowed to charge Citibank credit card. So I complained and eventually canceled my card. 

However now I'm receiving collection agency letters representing Citibank attempting to collect. I'm being harassed and since I disputed ALL the charges and fees as unauthorized and therefore UNACCEPTABLE. 

Can you please help?

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 2024-10-27 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Not seeing the cards all ready authorized and token to be used not seeing NON OF THEM. AGENTS ARE RUDE OF NON ASSISTANCE ASKED TO SPEAK TO A SUPERVISOR THEY THEY ONLY ANSWER BY EMAIL

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 2024-10-27 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: NC

Complaint narrative:
Subject : Request for Removal of Paid Charge-Off Accounts from Credit Report Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist me in ensuring that the following charge-off accounts, which have been settled and paid in full, are removed from my credit report, in accordance with applicable federal laws and guidelines : XXXX. XXXX, Account # XXXX ***** XXXX. XXXX, Account # XXXX ****** XXXX. XXXX XXXX XXXX, Account ***** These accounts, while previously charged off, have been fully resolved as they are marked paid and closed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, charge-offs that are fully paid and settled should no longer be reported in a manner that negatively impacts a consumer 's credit profile. Additionally, the Federal Trade Commission ( FTC ) and the CFPB have both issued guidance regarding the reporting of paid charge-offs, emphasizing the accuracy and completeness of credit reports. 

As these accounts are no longer in default status and have been settled, they should not continue to appear as negative items on my credit report. Continuing to report these charge-offs undermines the purpose of the FCRA, which aims to ensure that credit reports are fair, accurate, and complete. I respectfully request that these charge-offs be removed from my credit report entirely as they no longer reflect my current credit standing.

I believe the continued reporting of these charge-offs may be in violation of the FCRA, which states that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. Moreover, under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is incorrect or misleading. Since these charge-offs have been paid and closed, they no longer provide an accurate depiction of my creditworthiness. 

Furthermore, I kindly ask that the CFPB ensure that the credit reporting agencies update my credit file to reflect the accurate status of these accounts. This action is critical to ensure my credit report fully complies with all consumer protection regulations. 

Please confirm in writing that these charge-off accounts will be removed or updated to reflect their true status of " paid in full '' without any derogatory notations. If further documentation is needed to substantiate this request, I am more than happy to provide it upon request. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked back at my credit report back on XX/XX/year> and I noticed some things are incomplete and not accurate. And according to their fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ 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 ] is not complete and is not accurate. [ XXXX  XXXX # XXXX ] - Each bureau is showing a different Date last active. [ XXXX XXXX XXXX # XXXX ] - Payment status date is showing the wrong date. XXXX XXXX # XXXX ] - Last reported dates should be the same per bureau, it's a clear violation that you're report shows different from the other bureaus. [ XXXX XXXX XXXX XXXX # XXXX ] - Each bureau is showing a different Date last active. [ XXXX  XXXX # XXXX ] - Each bureau is showing a different Date last active. XXXX XXXX is showing a different open date, amount due. [ XXXX XXXX XXXX # XXXX ] - Last reported dates should be the same per bureau, it's a clear violation that you're report shows different from the other bureaus. [ XXXX XXXX XXXX # XXXX ] - The following information is outdated. I would like it removed from my credit history report [ XXXX XXXX # XXXX ] - Why are comments different in each bureau? open date is also different. [ XXXX  XXXX # XXXX ] - Validate Account / unrecognized account please validate. [ XXXX  XXXX # XXXX ] - Validate Account / unrecognized account please validate. [ XXXX  XXXX # XXXX ] - Validate Account / unrecognized account please validate. [ XXXX XXXX # XXXX ] - Each bureau is showing a different Date last active. [ XXXX XXXX  # XXXX ] - The wrong amount is being reported I sent a letter asking them to re investigate these accounts listed above because the are not accurate. I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me which is a violation if 15 USC 1681i7.

They also Violated 15 USC 1681i ( 5 ) Can you look into this matter please?

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 2024-10-27 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: TN

Complaint narrative:
I reviewed a copy of my credit report and notice fraudulent activity. please remove all accounts. 

experiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX @ XXXX Someone called me from XXXX claiming to be calling from CitiCard ( Citibank XXXX to verify a transaction for {$3000.00}. When I said I didn't authorize it the gentleman proceeded to ask me about another card ( XXXX XXXX ) i had so he could verify my identity, He asked for the Expiration date, them the card number & cvv then the last XXXX of my social.After which he asked what the balance is and credit limit is... ..I knew right then that it was a scam and he wasn't from Citibank but XXXX was to late by then so now I've got ta replace my 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