vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

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 2021-08-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please update all of my personal information on XXXX, Transunion, and XXXX. 


My only name is XXXX XXXX. 



My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX My only employer is Self Employed There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file. 


Thanks 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 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hi, On XX/XX/2021 morning approximately XXXX XXXX, while checking my coinbase cryptocurrency portfolio on Coinbase Pro, i saw my funds reduced from approximately {$90000.00} USD to {$28.00}. I was stunned but realized that my account may have been compromised. I then tried to reach to coinbase and got to know how to lock my account on an automated phone service. I locked my Coinbase account as soon as possible. Roughly in 20-25 mins, if i remember correctly.

I reached to coinbase support and they said they will assign a specialist who will only communicate on an email.

After few hours coinbase responded with an investigation report ( attached in this complaint ), saying that my phone was compromised and my username/password alongwith 2FA was used by hackers to loginto my coinbase pro account and send the funds through an Ethereum wallet. They can not do anything and shrugged off entire responsibility. 
Very next day i reported this crime to my XXXX XXXX, FL law enforcement who immediately connected me with Detective XXXX XXXX from XXXX Financial Crimes unit, Florida. He has been handling my case since XXXX XXXX. 
Meanwhile, I reset all my email passwords, coinbase passwords, and recovered my locked coinbase account on XXXX XXXX. 
I want the authorities to know the below : I have followed all the security recommendations given by Coinbase including 2FA using XXXX XXXX  app.

Infact, another important step i had taken in security was I had enabled crypto address " XXXX '' on Coinbase, to ensure no withdrawals happen outside my approved list of crypto address/wallet. According to Coinbase, if you enable whitelisting, no funds of any coin can be withdrawn outside the approved/whitelisted addresses/wallets. 
Despite this the hackers were able to withdraw to a net new ETH address.

Infact, I never have even setup an ETH address/wallet that is whitelisted.

Coinbase support has not been helpful at all. Infact they have not responded to my " XXXX  '' query since XXXX XXXX. Such a big fraud and look the way they treat customers and shrug off security responsibility. 

On XXXX XXXX XXXX sent approximately XXXX people errorneous 2FA reset text message. This means they have some serious problems with 2FA internal security and being a public company, they need to be transparent about their internal investigation. 

I have checked my phone for viruses with XXXX scanner and i have attached proof that my phone is not infected. 

I need strong action against this company. I need justice. I have lost my life savings here : (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

Experian - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Once again, my credit file has been corrupted with false and defamatory claims of debts I do not owe, which have been made against me without any prior notice, or any other legal process whatsoever. The purpose is to damage and destroy the quality of my life by inflicting financial harm against me causing my current FICO Score to plunge overnight from XXXX to XXXX, and credit applications once routinely approved are now being routinely declined. Each day the result is my direct loss of significant income and opportunity, at great personal cost with constant turmoil and unneeded stress. 

The reason these false claims of debts have been included in my credit file is to extort payment from me for money I do not owe. In order to remove the false information from my credit file, and cause the false lower FICO Score to be restored with my legitimate higher FICO Score, I am being coerced and extorted by both TRANSUNION and the fraudulent creditor ( s ) for immediate payment so that I may obtain immediate relief from being declined an extension of credit at the time I need it the most. 

My credit applications are now being declined each day due solely to false claims of debts not owed, by fraudulent creditors misuse and abuse of the national credit bureau reporting system, in concert and support with TRANSUNION. TRANSUNION permits false and fraudulent information into the credit bureau reporting system in order to cause credit problems for consumers, and then uses coercion and extortion to force those same consumers into a TRANSUNION {$19.00} per month credit repair subscription service for all eternity, to remove the very same credit problems caused by the false and fraudulent information permitted by TRANSUNION. 
In addition, at the suggestion of my Bank, steps have been taken to protect both my funds and accounts from continued unauthorized withdrawal by the very same fraudulent creditor ( s ) acting in concert with TRANSUNION.

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 2021-08-31 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: SC

Complaint narrative:
I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity 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 2021-08-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Currently there is a closed account reporting on my credit file with Credit Acceptance Corporation partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being late.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC
State: MO

Complaint narrative:
The Collection Agency, GC Services sent a letter that inclued PII regarding the estimated amount due on a state tax return to my husband 's ex wife. We checked with the state and her name is not affiliated in any way with our tax return. The state told us to have them cease and desist, however the damage is already done. Bottom line is they disclosed to my husband 's ex wife and her wife personally identifiable information and proprietary information, in addition to overstating the balance owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: IN

Complaint narrative:
Currently there is a closed account reporting on my credit file with XXXX XXXX XXXX partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being late.

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 2021-08-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} Transunion - XXXX  {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX  {$1600.00} XXXX XXXX {$670.00} Equifax - XXXX XXXX {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update XXXX and Equifax to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/2020 I saw charges on my account that were unfamiliar, XXXX for about {$220.00}, and another for XXXX XXXX for just under {$10.00}. I called in to the fraud team at BOA and they were reviewing the account and verified they were ONLINE purchases, no chip used. At the same time they saw other suspicious charges out of Vermont I wasnt aware of they wrapped into the claim. 

A few days later I reported those other charges in Vermont were legitimate and I only needed to keep the XXXX and XXXX charges. They said they'll note the account, even though I asked to start a new claim with just those 2 charges. 

As I started to research, I contacted XXXX to engage them in the fraud purchase, and they referred me to XXXX police. I worked with them and it lead to the arrest of the person who purchased the ticket. They tracked the ticket and awaited the user to board and arrested them. I have previously sent this all to BOA. 

Several weeks ago after going back and forth nearly a DOZEN times and about 100+ hours of phone time, they denied it once again, and my final letter advising that 1. Chip was used, and 2. signature obtained. 

the case worker on the account only receives voicemails and i have left them the last 3 months to him XXXX XXXX XXXX, XXXX XXXX ). I have asked for proof of signature. When I call the actual fraud department, every time I speak to them they can clearly see the charges and they were online charges with NO CHIP USED. they also agree that they are fraud, however, when it goes to the investigative unit they deny the claim. 

The reason I am told they deny the claim is that they are still looking at it for all of the 8-10 original charges on the claim, vs just the 2 that I need in the claim.I know the other are mine and they have known that since day 2. 

I am entitled to be treated fairly. The people i am able to talk to all agree it is fraud and online purchases. I also have a police report I have given them that collaborates the investigation and arrest. For some reason it goes to people that wont talk to me and I can only receive letters from them and they do not return calls.

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 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I submitted a request for a loan modification on XX/XX/2021. I have called CHFA multiple times since then for an update. Every time I call they say that it is under review. Today is XX/XX/2021. No loss mitigation option has been given to me. How does someone who is needing a loss mitigation option supposed to save their home from foreclosure. Other mortgage companies complete this process in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. 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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield is attempting to collect a debt ( {$360.00} ) on behalf of XXXX XXXX XXXX but refuses to provide validation of the debt. I initially requested the information orally. I asked the staff to stop contacting me because they were abusive and would never supply the documentation, yet said they would. In 2021, I began requesting debt validation in writing ( XXXX and XXXX, 2021 ). They have supplied two letters- ( 1 ) one letter stating they are attempting the collect a debt with the amount listed and ( 2 ) another letter stating the debt and a offered with reduced amount to settle the balance. Hunter Warfield sent a letter dated XX/XX/2021 stating their " records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests ''. I have not received any debt verification despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian are not complying with FCRA in verification of Debt. ( XXXX XXXX ) via a reasonable investigation and not eoscar.

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