vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/XXXX, XXXX, AND XX/XX/XXXX Are dates which i have requested to have the inaccuries removed from my credit report whichstill remains.I have proviced supporting documents such as a clear copy of my Driver 's license and Social security card and proof of residence along with a FTC report stating that there are items on my credit report as a result of Identity theft.I was told that there were several variations of Social security numbers merged with my credit files. I was told that the account had to undergo maintenance in order to get this issue resolved. there is a variety of inaccuries with my personal information such as Names, SS Numbers, addresses and accounts which i have stated on a numerous of occasions and the credit bureau is refusing to update my account. I have followed all suggested actions and reached out to the creditors trying to get this resolved. I am in the home buying process and these fraudulent items are still listed associated with my credit files. there are accounts on my credit files which has been listed for over 7 years that needs to be removed immediately. 
i have sent certified notices to the creditors affirming that i am a victim of identity theft. 
XXXX is refusing to let me access my file, they said this decision is indefinitely.

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 2024-05-12 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain XXXX XXXX XXXX : XX/XX/year> CREDIT COLLECTION SERV : XX/XX/year>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I will attach the credit report showing that the Inquiries that were attained on my reports due to one of many data breaches on being one from equifax themselves I've reported to the authorities in which I was told in Michigan there is nothing they can do I have to report to you guys or dispute with the credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NV

Complaint narrative:
I have disputed multiple times on the items listed below with the bureaus. Despite this, they persist on my credit report. Kindly request an investigation into these matters and ensure their removal from my credit report. 

XXXX : This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-12 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: TX

Complaint narrative:
Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XX/XX/XXXX, and noticed several inquiries that I did not authorize. These are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XXXX  and noticed several inquiries that I did not authorize. These are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In XX/XX/XXXX ( XXXX ) I got an e-mail from XXXXXXXX XXXX XXXX XXXX saying my order was shipped and needed someone to sign it. It happens that I don't have a subscription to this website. I subscribed ONCE to try when they had a sale and canceled right after that. 

Right after this e-mail, I e-mailed the XXXX XXXXXXXX support and informed them they were wrong about shipping me wine because I didn't have a subscription with them. I also checked my Bank of America credit card, which was LOCKED because I hadn't used it for months, and there was a charge for the wines, even tho the card was locked. 

The XXXX XXXX support said they couldn't refund me the total amount, they could try to refund me but deducting XXXX XXXX  for the fees. Of course, I didn't want it. I don't wan na pay any fee for something I didn't subscribe to. 

I filled a claim on the Bank of America app and, after long weeks of waiting, I got my claim denied by the bank. 

Now, when I checked the XXXX XXXX  website, it even says the wine was delivered to me, which is a lie. 

I'm not in the XXXX since XXXX XXXX XXXX and I can prove it. 
It's impossible for the wine to be delivered to me. I requested again XXXX XXXX  to refund me and to prove they delivered me any wine, but they haven't replied me yet.

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 2024-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
I recently recieved three separate notices with three different account numbers and a name I do not use with the U.S. Department of Veterans Affairs from the CBE Group XXXX requesting {$43.00}. I do not owe this debt and disputed it last year. I have a debt with the VA for which I pay no less than {$20.00} per month with no complaints. I want these fishing expeditions by CBE Group to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Purchased an XXXX XXXX XXXX XXXX on XX/XX/year> from XXXX XXXX XXXX XXXX did not do a signature delivery and merely left a {$800.00} item sitting at my door step XXXX XXXX told me this was an acceptable delivery and told me to contact the police and theres nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX XXXX XXXX  called me to pay XXXX XXXX and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. XXXXXXXX XXXX have charged off this account since XXXX reporting every month

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX XXXXXXXX XXXX called me to pay XXXX XXXX  and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. XXXX XXXX have charged off this account since XXXX reporting every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XXXX and noticed several inquiries that I did not authorize. These are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: FL

Complaint narrative:
I have been asking tomo boost for over a month now to close my account with them they keep giving me the run around wanting me to stay.I want my account closed with them now asap and I want proof they did.No money is owed on this account I want it closed before they try to take more from my checking account.Tomo boost

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just received this credit card flyer from citibank, the last two times I applied for citibank credit cards, they were declined, I need to know if I still qualify for the citibank credit cards.

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 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was involved in a XXXX XXXX XXXX XXXX process since XXXX and have patiently worked effortlessly for almost 5 years to recover some of the money scammers and fradulent caused in the XXXX & XXXX XXXX You may XXXX search this extremely significant event that caused pain to millions of consumers. In XXXX, the bankruptcy was finally resolved by the judge and the bankruptcy was coordinated Coinbase as the partner to distribute the $ I was scammed of in XXXX. 

Due to this elevated Traumatic Event, I wanted to move the cryptocurrency off my Coinbase account immediately on XX/XX/XXXX to my own wallet and have it sold to dollars to my bank account. 
XXXX XX/XX/XXXX, Coinbase illegally locked my account when I tried to sell and remove the bankruptcy recovery. 
XXXX XX/XX/XXXX I contacted Coinbase to unlock my account and provided my SSN, My United States Identity Documents , and a selfie of authentication. The agent told me my account would be unlocked after XXXX hours. 
XXXX XX/XX/XXXX, I contacted their company again to escalate the case to unlock my account. The agent emailed me they needed to reset my password this time and resubmit my documents again. I followed their instructions and the company notified me they will escalate the case and unlock my account after a few days. # XXXX -On XX/XX/XXXX, I was suddenly sent an email to survey the resolution they provided for my case. I never received a resolution and I'm 100 % sure they closed my case without consent and providing appropiate contact with me. 

-As a result, on XX/XX/XXXX, I am escalating this significant case to CFPB. Coinbase illegally locked and is holding money that was recovered to XXXX XXXX XXXX who was the claimant of the entire XXXXXXXX XXXX In the fine print and their documents, Coinbase claims they will securely store and custody the money of the customer. These past actions breach their contract with me and they are illegally locking my finances and barring actions on my account they never provided communication they could have. 

Please refer to the following document on what Coinbase claims to provide to their customers. XXXX XXXX XXXX.coinbase.com/en/coinbaseXXXXcoinbase-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because I have disputed with the NCRA EQUIFAX at least 5 times in a row to no avail regarding an account connected to a company called XXXX XXXX XXXX. I have reason to believe the furnisher within that company is unreliable and is giving EQUIFAX default answers via e-OSCAR regarding the reinvestigations that were commenced. The account as it stands is currently inaccurate and incomplete as a whole. EQUIFAX is liable and I am compelled to sue if it continues to provide me with result answers that is contrary to what is reflected in my consumer report received from its system. EQUIFAX is currently in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ).

Company response to consumer: Closed with explanation