vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I applied for a personal loan with One Main Financial. I was approved immediately for a XXXX installment loan for 36 months @ 25 % with collateral. The collateral they require is a car. Unfortunately I am XXXX and do not own a vechile. I contacted their care department XXXX who then transferred me to the executive offices of the care department. XXXX. I spoke with XXXX who was rude, had no time for me or my questions. I indicated One Main is NOT following the Americans with XXXX  Act. and was told " go ahead and good luck '' then proceeded to hang up. I just wanted to ask what other forms of collateral they would accept. I have been discriminated enough because of my XXXX and feel this type is above and beyond discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
I opened an account with Binance.US in XX/XX/2021. I was approved with basic verification, which allowed me to transfer in virtual currency, and sell it for USD. I was not allowed to withdraw that USD until I received advanced verification, and understood that. 

I have been unable to receive the advanced verification through the Binance.US platform. The service is requested a copy of my driver 's license to show proof of identity, but the platform has no way for me to upload that data. They say it is a bug with the system that they've been working to collect. 

Meanwhile, Binance.US has XXXX USD of assets that I can not withdraw. I have been waiting and waiting for help to complete the verification process, but customer support does not answer. I've had a ticket open for over two weeks with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from diversify accounts which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.

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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX, Nationstar, dba " Mr. Cooper '', extracted {$1800.00} from my checking account without my approval. An email was sent to myself and MANY other customers notifying us of the issue, however, this doesn't excuse the issue itself. " Mr. Cooper '' deposited the same amount, {$1800.00}, back into my account. 

I had spoken to representatives at the company who, while " very sorry '', was not able to provide a 100 % guarantee that this issue wouldn't happen. They proceeded to state the issue was not with " Mr. Cooper '' but with the 3rd party payment processing company they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Coinbase wallet had over {$100.00} then was just gone. I did nothing to cause this, it was just gone. Many others are having the same problem I am having. Coinbase support only closes your access to your other Coinbase exchange accounts which locks your funds. All you get in response is automated emails telling you XXXX coinbase support can help. Problem is people are pretending to be coinbase support staff on XXXX to try and steal funds in exchange. Coinbase is keeping customers money and not letting them back in to even withdraw there funds. How do they get away with this, are there no laws to protect us from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: U.S. BANCORP
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect information showing in my credit report it has been well over 30 days and I haven't received any investigation results

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 2021-04-28 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: IL

Complaint narrative:
this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX  XXXX which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX XXXX which is not mine.

They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.

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 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
On XX/XX/21 I disputed with XXXX  the Simon Agency Inc collection. I told XXXX  bureau that this collection violates my privacy and should be removed off my credit report. Also I told them they were open to Litigation if not removed. They still havent removed this collection off my report. XXXX  bureaus does not have this collection on my report. I spoke to the XXXX  bureau and they are removing it from their report. I decided to take matters into CFPB hands

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

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 2021-04-28 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:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  M XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Elevate Recoveries, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... ELEVATE RECO ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/2021 I XXXX A LETTER ASKING EQUIFAX, XXXX  AND XXXX  TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX  AACNT  # :XXXX  2. XXXX  XXXX XXXX  AND XXXX  TOT ACCNT # : XXXX  3. XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ACCNT # : XXXX 4. XXXX  ACCNT # XXXX  5. XXXX  XXXX  ACCNT # XXXX  6. XXXX/XXXX  ACCNT # : XXXX  7. XXXX  ACNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

2. XXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX XXXX  L Original creditor : XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX  XXXX  C/O XXXX  -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  & Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This company never contacted me about this debt or gave any information as to what the debt is for. They are filing it to the credit bureaus daily. XX/XX/1923, XXXX, XXXX, XXXX This company has an employee that doesnt like me and is abusing their job privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: HW Holding, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX  HWARFIELD ( Original Creditor : XXXX XXXX  XXXX  ) XXXX** ... XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX**** ... XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
These Bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e '' The alleged debt can not be verified and I have yet to receive a response after 30 days which is yet another violation under the FCRA.

Company response to consumer: Closed with explanation