vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
My PSLF application in addition to my one outstanding Federal loan was transferred to Mohela in the XXXX XXXX XXXX  XXXX. I applied for PSLF in XXXXXXXX XXXX XXXXXXXX and received a letter from the XXXX XXXX XXXX that my loan qualified and I just needed to wait for it to be transferred to Mohela for them to count my payments. It is not XXXXXXXX XXXX XXXXXXXX and after too many calls to even count, Mohela has made no progress in finalizing my application and they give me different answers every time I call. Over XXXX years of payments are missing from my count and they have been stuck that way for a year. I put my loan in forbearance bc it was their issue that XXXX years of qualifying payments were just missing and would put me over XXXX payments. I am now about to be transferred to a different servicer and am so scared that my information will not be accurately transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I noticed an unauthorized hard inquiry. This inquiry was not initiated by me, nor do I have any record of granting permission for such an inquiry. 

Under the FCRA, credit reporting agencies are obligated to investigate disputes and correct any inaccuracies within 10 days of receiving a dispute. Therefore, I kindly request that you promptly investigate this matter and remove the unauthorized hard inquiry from my credit report. 

look forward to receiving confirmation of the removal of the unauthorized hard inquiry from my credit report within the legally mandated timeframe. 

Thank you for your cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform wap.virtuap.vip, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by Coinbase. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind wap.virtuap.vip. After transferring to the Merchants address, the cryptocurrency was cashed out with a Coinbase-controlled cash- out wallet. Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, as of the date of ISSUE Other service problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
Yes WHAT INFORMATION DID YOU REQUEST? 
Information they should have collected according to the travel rule requirement ( information about the entity hosting the beneficiary wallet ( s ) and/or information about the beneficiary wallet ( s ) holder ( s ) ) DID THE COMPANY PROVIDE THIS INFORMATION?

No Edit this section Edit this section What would be a fair resolution to this issue?

COINBASE should either disclose the requested information about my outgoing transactions and cash-out-wallets holders, or COINBASE should be seen liable for the damages occurred to me and should pay me feasible compensation. See attached letter of demand to COINBASE for further details.

1 attachment View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload.

this complaint, Coinbase has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, Coinbase failed to provide the required information about the VASPs hosting the beneficiary wallets, where I have made a series of transactions to, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from Coinbase represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX has been intentionally reversing payments in order to make them appear late and charge me random amounts of money. They have failed to respond to the last loan that has these issues and now I am currently having them. This is a horribly problem, as I am a business owner and it has put me in a space where it appears that I pay late, when I don't. This is not only unfair and deceptive but truly fraud and illegal. I have pictures, recordings, witnesses, etc. PLEASE DO SOMETHING!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I went through a financially tragic moment and as a result, I missed several payments. I would like to tell my story, I am XXXX and I started my life here in the United States almost XXXX years ago and I had no idea how everything worked here, after a while living here I opened some bank accounts and XXXX credit cards, at the time of my late payment I had a XXXX XXXX XXXXXXXX credit card, a capital one card and another one I opened a business credit card with capital one too but each card works differently and I didn't know that, so when my business card arrived, I was moving from XXXX to XXXX, that's where I spent a little more than I should have on my card and I thought I could just pay the minimum the next month, but when the invoice arrived I needed to pay the full amount of the invoice, so no I had money at that moment to pay in full, so I started making payments as best I could until I could bring some money from XXXX to pay the amount in full, as I was changing address I had a problem with my account in XXXX at the same time, so it took a while for me to get organized and I ended up with late payments on my credit report. I only have late payments with this company and I am a great payer. My wife and I are looking to buy our first own house but with low credit we are having problems. 
According to the law I have my right to dispute what I consider unfair, even though there are errors in my information. I'm still not recognizing my last XXXX social security number and I consider it unfair that I tried to communicate with banking institution representatives on several occasions by phone, email and certified mail, I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me, and this is affecting my reputation. 

Late payments : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I've called the company multiple times and i send my funds to the wrong person cash app it's there company I'm sure they know once you have sent money to an account it automatically accept the funds without anyone accepting well as soon as i send my funds i requested it back i was pending for about 30 days finally this month which is XXXX once the request expired for me to be able to do anything i went in to dispute it and it stated at this point the funds was returned to my account and i don't have the funds cash app saying it wasn't complete so there's nothing to be done I've called asking for manager supervisor no has talked to me or attempt to contact me every one keep telling me i look into it in the future look at the payment before sending is there another transaction to be dealt with either hang up in my ear or the computer from online support i guess speaking so i gets no understanding nobody to explain nothing very rude company and I'm feel it's a legal way to steal people money this the XXXX XXXX dollars that's going missing from my cash app than the last person i talked to told me i wasn't complying to give information i asked to speak to a manager she than hung up stating she cancelling my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
My father had significant fraud on his Barclays credit card. There have been significant gift card purchases. My father never purchased gift cards, and I am surprised that the Barclays fraud group never had any fraud flags to the aberrant patterns that were present. My Father passed away on XX/XX/2024. Barclay card refused to get involved because I was not the primary on the account. I provided a POA, but that was refused because it only had XXXX witness. I submitted all of the fraud information to the office of the XXXX on XX/XX/2024. I didn't get any response from the office of the XXXX. Additional Barclay card does not return calls from the XXXX detective that has been working the case. 

I have never seen a credit card company refuse to help a senior and hide behind internal policies that are designed to not take accountability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MD

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently seek the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing substantial XXXX. These accounts were not authorized or initiated by me, and it is unjust for me to be held accountable. I implore you to promptly rectify this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Company purchased a debt that is not mine and have been told numerous times via dispute. under the FCRA they had 30 days to provide a signed application showing it was opened by me the consumer. they dont have this because it is not mine! legally they have to remove it and their failure to do so is a direct violation of the FCRA. they mailed a statement showing no charges with a name on it, but that does not qualify for proof of ownership under the Fair credit reporting act. They purchased this debt cheap and are using credit reporting to try and force me to pay a debt that is not mine or owed. Please be aware that if this is not removed from my credit in the next 30 days you will be sued. It is illegal to report this to the Credit Bureaus with out validation and providing the requested documentation, which is a application showing i signed and opened the card! nothing else is sufficient to prove debt is valid under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently ask for the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing significant distress. These accounts were not authorized or approved by me, and it is unfair for me to be held accountable. I urge you to promptly address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: OH

Complaint narrative:
I am a victim of identity theft. I have attached my complaint Ive filed with the Federal Trade Commission and Ive attached my identification for identity verification. My only name is XXXX XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My credit report should only report the above accurate personal 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Two transactions appeared on my bank statement from XXXX XXXX XXXX in XXXX XXXX, Ok. The first on XX/XX/XXXX for {$30.00} and the second on XX/XX/XXXX for {$35.00}. I have never been to this establishment. I have lived in XXXX XXXX my entire life and would know if I had shopped there. I reported both transactions to BMO, my banking institution. They immediately issued me a new debit card which I began to use. However, they did not refund any money to me and told me their research determined that I had to be present with my card and pin for the transactions in question. I immediately set up alerts on both my debit and credit cards so that I could monitor all transactions going forward. Fast forward to XX/XX/XXXX, when I noticed another transaction on my bank statement at XXXX XXXX XXXX for {$42.00}. This happened after having received a new debit card. However, I did not receive a transaction alert when this purchase took place, even though I had set that up on my account. I only noticed it while reviewing my statement, which I do regularly. I immediately notified BMO, disputed the charge and received a new debit card. I find it odd that the same problem has occureed at the same merchant in such a short time. As I stated earlier, I have never been to XXXX XXXX XXXX. I suspect I am using my card somewhere a skimmer is installed. I don't know why this has now happened 3 times in total at XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.

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