vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I called the mortgage company in XXXX, XXXX and today. I faxed them in XXXX. My balance has not been updated since XXXX. I disputed it with the credit bureau in XXXX. I am being told it is the error of the credit bureau and the credit bureau blames the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1681i. They were to notify me of this in writing 5 days prior i was not. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identiy Fraud 3. ) Violations of 15 U.S.C. 1681i

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
Hello, RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX of Birth XXXX Social Sec # - XXXX Release of any and all funds held by chime bank currently My name is XXXX XXXX, and i have been having an issue with Chime Bank. I was with the bank for approximately two and a half years. Early on I obtained a debit card which was associated with the checking account that I never used, and subsequently lost but never worried about because i had deposited no monies into the account. Fast forward two years later and I used my XXXX Account to do a rarely used type of transaction with a customer for nearly {$500.00}. To my shock, the funds went onto a card that I did not recognize which unbeknownst to me was tied into that XXXX account in some obscure setting somewhere that I had not notices ... .XXXX  as a Service, almost never use so my navigation in the programing is definitely rusty anyway ...

Upon tracking the transaction down it tracked to the account named within Chime Bank absolutely refuses to release my funds. All i have repeatedly asked them to do is to, if in doubt about the owner of the account which is me

( they hav e asked me for my ID four times in a row now ... and on the fourth time I wrote to you and refused ). All they would have to do is issue a check to the owner of the account that they have always had on file since day one and who the account was opened with ... that address used to mail the funds to Please aid me in making these slime balls return my funds ... .because I can promise that without your aid these unscrupulous roaches would have kept my funds. Thank you so much for your time and attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: I.C. System, Inc.
State: NC

Complaint narrative:
I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts 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 2021-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
Proof of Federal Pell Grant as previously complaint stated in more detailed form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I called the mortgage company in XXXX, XXXX and today. I faxed them in XXXX. My balance has not been updated since XXXX. I disputed it with the credit bureau in XXXX. I am being told it is the error of the credit bureau and the credit bureau blames the mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
I am upset the credit bureaus have not responded back to me about my investigation. This Is serious. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and Still no word. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. do your job now!!!! I have attached my ID and medical record to show who i am!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Inaccurate late payments are reporting to my credit report. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX has been unable to access my equifax credit report since XX/XX/XXXX. XXXX XXXX XXXX was unable to access my equifax report on XX/XX/XXXX. XXXX  was unable to pull my Equifax credit report on XX/XX/XXXX. Ive reached out to Equifax on numerous occasions to try and resolve the issue. Ive spent at least 6 hours on the phone speaking with multiple agents but no one can seem to get to the bottom. Im told the account is not frozen/ or locked. I think this may go back to when I cancelled my equifax premier plan. I just need help to get this accessed so we can refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I made an online purchase using my Apple Card ( issued by Goldman Sachs Bank USA ) on XX/XX/2020 in the amount of {$180.00} from what turned out to be a fraudulent vendor : XXXX ( XXXX ). I realized it when I tried to track my order but couldn't, and when I tried to contact the vendor, the number was disconnected and the email was undeliverable. I disputed the charge with Goldman Sachs within a few days. I never did receive the product. 

Goldman Sachs has repeatedly resolved the dispute in the vendor 's favor, even though I provided documentation, including the undeliverable email, disconnected phone, paypal community results showing others had encountered the same issue with the vendor. I also contacted XXXX and was told that the vendor had been identified as fraudulent and suspended, which information was also provided to Goldman Sachs. Even after multiple times reasserting the dispute, providing additional information and speaking to numerous customer service representatives, I can not get a clear answer as to why the dispute was resolved in favor of the fraudulent vendor. 

The Apple Card has been extremely convenient, but this has been the worst customer service I have ever received. I have luckily not had to dispute many transactions, but the couple of other times I have were with other credit card providers who were prompt, communicative and fair. If this is how Goldman Sachs treats an actually verifiably fraudulent transaction, how will they deal with more run of the mill complaints with vendors? I should not have had to continually dispute this transaction for more than 6 months to try to get it resolved. Apple Card users beware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Inaccurate late payments are reporting to my credit report. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : I demand TransUnion, XXXX remove the following inquires as I never gave you written instruction to reflect the inquiries : 1. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX WELLS FARGO CARD SER XXXX XXXX XXXX CreditCard 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 2021-06-29 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 45 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that  XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/21 at approx XXXX XXXX pacific time, I submitted a " sell '' order for XXXX Bitcoin ( BTC ), via Coinbase. 

At XXXX XXXX the transaction was " COMPLETED. '' See Coinbase ref code XXXX, which says " Sold Bitcoin '' and " COMPLETED. '' At the time, BTC was trading at approx {$49000.00}. My proceeds, after Coinbase fees, are shown in their own records as {$24000.00}. 

Unbeknownst to me, the same amount of BTC was then returned to my account. And, at a different price, which is further proof that the transaction completed and Coinbase then undertook a second, unauthorized transaction on my behalf. 

I of course believed I had {$24000.00} in USD in my account. In the ensuing days, checking my account, I saw that it was not. Instead, I owned BTC, but BTC had dropped dramatically in value since my sale. 

Multiple attempts to communicate with Coinbase support were useless. First, they claimed it was an incomplete transaction, though their own records show that the transaction completed. Then, they simply closed my case without explanation. At no time was I able to speak with anyone at Coinbase. 

I eventually sold the BTC at a much lower price as I had no way of knowing what would come of the dispute, and yet BTC continued to drop in value. I sold the same amount of BTC on XX/XX/21, but the proceeds were only {$16000.00}. 

Coinbase should give me the difference between the two sale prices, which is {$7900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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