vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I awoke XX/XX/2021 around XXXX XXXX. to find my coinbase.com account emptied along with {$700.00} from my XXXX XXXX  account used to buy more cardano coins before they emptied my coinbase account. The scammer took me for {$4300.00}. I have reached out to coinbase.com for help getting my money back. I have emailed coinbase.com multiple times and have got no where with them. The only thing they did was reset my coinbase password and told me I was out of luck. The case number they gave was # XXXX. I just want to hopefully get my money back and I will never do business with them again. Please help and God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

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 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
THIS ACCOUNT IS INVOLVED IN LITIGATION. I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ENGELHARDT v GRAVENS (mo) 281 SW 715,719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THERFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
A loan with Santander USA is a closed account, but it is still reporting months late, reporting it is a open account. It's a collection account, still showing pass due amount. Showing current dates that the account is active, but has been in collections for year 's. Contacted company and nothing happened. This should be removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.

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 2021-09-09 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: OH

Complaint narrative:
XXXX of XXXX  I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.

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 2021-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( Equifax ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Equifax ) XX/XX/2020 XXXX XXXX/XXXX  reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( Equifax ) XX/XX/2020 XXXX  XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( Equifax ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Equifax ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello. I tried removing this falsified debt that's been on my report for the longest. It has no name of were it is coming from also no address can you please remove debt. Also I was not notified of this debt in 5 days. From section 611 this debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
This is my 7th complaint about a loan that I have said for several years was paid. I have asked Navient and CFPB to review my concerns on several occasions. Navient has repeatedly stated that I owed {$37000.00} for three courses in XXXX XXXX. That would be a gross overpayment of educational fees. I am submitting as evidence the ledger from the XXXX XXXX XXXX  financial aid office. The ledger indicates that I only borrowed/ received {$13000.00} from Sallie Mae XXXX  Navient information is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX correctly reported my credit card balance of {$180.00} to my credit card to all three credit bureaus ; however, on XX/XX/XXXX they decided to change the balance for the Equifax report to a balance of {$1500.00}. This balance was correct prior to XX/XX/XXXX when I made a significant payment to bring it down ; however, my statement closing date on this credit card is XX/XX/XXXX and such the balance should have reflected {$180.00}. I instantly disputed it with Equifax and my dispute results were ready on XXXX XXXX stating that XXXX says the {$1500.00} balance is correct. I then started to compile my proof and fill out and certify mail XXXX their own dispute form and my proof of their error. I then headed to the local bank on XXXX and XXXX XXXX XXXX XXXX I spoke with a teller that got on the phone with XXXX XXXX from the disputes department. I was hoping by going to the bank that I would at least be able to fax the form over to them to expedite the process ; however, XXXX stated that when I made my payment on XX/XX/XXXX that they are going with the balance previous to that date. That no mistake was made. I confronted the teller with the fact that they reported it correctly at first and that I have no issues with their reporting to XXXX and XXXX. I was told that those are different bureaus. I also told them that it isn't normal for XXXX to report on XX/XX/XXXX the correct amount and to change it a couple days later to a balance prior to XX/XX/XXXX when the balance should reflect the statement date. I was told to call XXXX XXXX myself at ( XXXX ) XXXX ext. XXXX. This number isn't a working number and because he was the one conveying the information to the teller and it didn't go well, I didn't see the point in trying any further. Not to mention that he works in the dispute department. I am entitled to a fair and accurate credit report. I am not asking for anything out of the ordinary ; however, I feel that XXXX is mocking me in their handling of this issue by trying to make this issue seem normal when it clearly isn't. I wouldn't be surprised if they change the reporting with the other two bureaus to make this seem completely fine. I am frustrated. I have a fantastic relationship with XXXX. I want to stay a customer of this credit union, but I need a solution and not tellers and bankers that refuse to see their errors and to just justify mistakes that cost me a chunk off my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
At about XXXX on XX/XX/XXXX there was a flash crash in the crypto currency market where many coins were down over 20 %. I watch this happen and prepared to capitalize on the great buy opportunity. Initially I added {$1000.00} to my coinbase account in preparation to buy some XXXX and XXXX class among other coins. However coinbase canceled every single one of my orders when I tried to purchase the coins. Time is of the essence when trying to buy these cryptos and I had timed it very well however coinbase blocked my orders without offering any reasoning as to why. As it turns out they did this to many of their customers on that particularly critical day causing large losses and missed opportunities. Many others have significantly higher loses as their stop loss orders were canceled, again without any explanation. As a cryptocurrency brokerage, coin base 's primary role is as a liquidity provider and they have utterly failed at one of the most crucial moments. It seems awfully suspicious that coinbase would fail at such a crucial moment then offer an after the fact and vaguely worded email after the fact that was clearly written by a lawyer to deflect blame and suggest taking no action against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I want to a dealership back in XXXX of XXXX to purchase a car, at that time I had no job I was desperate to get a car to work for XXXX and earn money, Unfortunately the only finance company I was approved for was Santander, But the interest rate was so high, but again I had no other choices but to take to the offer not knowing what will happened later. 
my payment was {$640.00} for 72 month. I mean that's totally not fair the amount was financed {$25000.00}. I mean if you cant offer me a fair deal at the begging why would you take advantage of people like me at the first place. 
I have been paying {$640.00} since XXXX of 2018 yet I still owe on the car {$20000.00} as of today. I feel like this company is a total scam company at this point they should have denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My score drops 20 points in one month for absolutely no reason. There are no negative data added to my account however they lower my score by 20 points. It has happened several times before and the following month, my score is raised 20 points. This is highly suspicious and could easily keep me from being approved for something I apply for. I would like an investigation as to why this is happening. I've contacted them and they advise the score is calculated, however if the variables do not change, it is not possible for my score to fluctuate that way. I've attached the screen shot form Experian Mobile App which shows there was nothing negative added to my file since the prior month, yet it dropped 20 points.

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 2021-09-09 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: LEXISNEXIS
State: MI

Complaint narrative:
I have written to Lexis Nexis several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureau I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

Not only have they completely ignored my requests but they also intentionally make it extremely difficult for consumers to access the data they report on them via a consumer file.

As you will see in the supporting detail, Lexis Nexis is illegally reporting unverifiable and illegitimate information on my consumer file regarding a Bankruptcy. I am curious as to how they can confirm such information belongs to me while still adhering to the FCRA policies. I have asked them on numerous occasions to provide me with their methods of verification and they are unresponsive. I reached out to the source they have listed as the furnisher of information which is the Bankruptcy Court and they notified me promptly that they do not and have not furnished any data to this Bureau or any other. 

It is my understanding that if a XXXX can not verify the information they report according to the FCRA it must be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
Equifax is reporting inaccurate and incomplete information regarding a student loan. Im attaching additional documents. The balance is higher than the high credit. And the report is incomplete in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The car was involved in a car accident last XX/XX/2020 the car was paid by my insurance and gap insurance and I will said over paid and the Company still reporting to my Credit as account not fully paid.

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 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Transunion ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( TransUnion ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on XXXX XXXX ) XX/XX/2020 XXXX  reported on ( TransUnion ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( TransUnion ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 XXXX reported on ( TransUnion ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT

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 2021-09-09 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: TX

Complaint narrative:
I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Experian ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX  I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
In XXXX  I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. XXXX XXXX

Company response to consumer: Closed with explanation