vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: TX

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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I deposited {$15000.00} in Coinbase to purchase cryptocurrency. At first exchange Coinbase said I have to wait a week, which I was fine with. Then they asked me to wait 44 days. I called customer support to complain and they said its because of their anti money laundering policy. The. I went to check on my transaction and now its pending for 70 days. It doesnt take that long to process the money is out of my bank account and with my Coinbase. The money is in Coinbase and I cant do anything. I cant even withdraw to go to another exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is for a Business Checking account with Bank Of America. One of our X employee cashed his paychecks ( multiple paychecks ) Twice. Bank of America failed to catch that same checks were being cashed twice. On multiples of checks, all cashed twice. 
We opened a Claim on XXXX : Claim # XXXX Amount of all checks cashed {$6500.00} Bank of America Fraud Dept . never follow up., We kept a log calling them., They kept on delaying. They made me go through providing copies of checks and having them notarized, while all along they should have all these records in their own system. Now they denied my claim stating time has passed and they can not help me. We opened a request to reconsider. No one ever followed up until I followed up myself and I am told, tough out of luck, time has passed and they will not reverse these funds back to me. This is OUT RIGHT FRAUD. The MOST BASIC function of a bank is to NOT CASH any check TWICE. They failed to do that on multiples of occasions,. When we saw it and caught up to it, they are hiding behind time limit. This is a FRAUD and we need help in getting protected and hold this bank accountable.

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 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023, I received a debit card and new account welcome letter for an account with Chime. This account was not created by me, but was opened in my name. 

I immediately contacted them via email to report this issue and request closure of the account. As I don't have access to the fake email address used by whoever opened the account, I'm not able to log into their mobile app for support, and their support phone number doesn't allow access to a human for support. 

I received an email response asking for the number of the card I received and my name, both of which I provided immediately. 

This was more than a month ago. Since then, I've heard nothing, and every time I try emailing for information, I get an automated email telling me I must email from the address associated with my account, which I don't have access to, because it was created by whoever opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a request for the blocking of information along with everything required to assure swift and timely assistance but in return I got a piece of mail that is completely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has 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 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 by 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 consumer 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 2023-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 by 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 consumer 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 2023-09-12 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Dear Experian Team, I am XXXX XXXX. Upon my recent review of my credit report, I came across unauthorized inquiries that I have not initiated or approved. 

My due diligence with the respective creditors reveals that there is no documentation or evidence suggesting I authorized or initiated these specific inquiries. These entries have evidently been made without my explicit written or verbal consent. 

Given these discrepancies, and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681XXXX, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX Date : XX/XX/XXXX - XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX To facilitate a swift resolution, I have included proof of my identity and my current address with this letter. I expect a timely response and would appreciate receiving an updated copy of my credit report reflecting the necessary corrections. 

I trust in Experian 's commitment to accuracy and hope this matter will be addressed with the urgency and seriousness it demands. Thank you in advance for your understanding and cooperation. 

Warm regards, 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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
I received notification about this debt on my credit report. I disputed the debt online and also provided proof that I settled this account balance with the previous collection agency that held the debt, XXXX XXXX, XXXX. and/or XXXX, XXXX XXXX  XXXX , XXXX, XXXX XXXX XXXX. This account balance was settled for {$620.00} with the agreement that it was removed from my credit report on XX/XX/2022. I have proof of the settlement offer as well as the receipt of payment. 

After disputing the debt, this collection agency responded that their account information was accurate and continue to report it on my credit with no validation. I am also sending them a certified letter of the written dispute. I held no other balances with the original creditor. Failure to comply with receiving proof of payment that this debt has been paid is a clear violation of the FCRA. I have also attached proof of the settlement agreement with the previous agency. Again, I will be sending a certified letter today outlining the dispute, proof of payment. Failure to remove from my credit report will leave me no choice but to file a lawsuit against this company for failure to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 by 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 consumer 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 2023-09-12 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
Subject : Dispute of Unauthorized Hard Credit Inquiries under the FCRA I am writing to formally dispute several unauthorized hard credit inquiries that have appeared on my credit report. These inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

The unauthorized hard credit inquiries in question 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  I have not authorized these inquiries, nor have I had any business or financial relationship with the listed creditors that would warrant such inquiries. According to the FCRA, a hard credit inquiry can only be made with the consumer 's consent or in connection with a legitimate business transaction initiated by the consumer.

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 2023-09-12 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was solicited by Wells Fargo for a 'REFLECT XXXX  CARD '' offering 0 % intro APR on charges and balance transfers for 21 months and XXXX annual fee. After applying for, and receiving the credit card, the fine print states there is a {$5.00} or 3 % charge for each balance transfer. I believe this is false advertising. APR, by definition, includes all charges to obtain the credit ( loan ).

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 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XX/XX/1970, 84 Stat. 1128. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have a car with USA auto servicing company and out of nowhere they shutdown and another company call Wes lake been calling saying that I havent paid my car note since XXXXXXXX XXXX which I did and west lake trying get money but want give me any information on whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
On Thursday, XX/XX/XXXX, I was contacted by phone by Wakefield & Associates about a supposed outstanding medical debt. The problems are, I hadn't had any medical treatments in the year for which they were attempting to collect, I have full health coverage ( so I would owe nothing if I HAD had any treatment ), and I check my credit frequently and have seen no outstanding debts. They also called my wife but I had told her about the scam so she ended the call quickly. I believe the business is fraudulently attempting to collect non-existent debts, and there are many XXXX reviews stating the same. 
The address for the business is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
**Attention : TransUnion Dispute Department** Dear TransUnion Team, I am XXXX XXXX XXXX Upon reviewing my credit report, I found unauthorized inquiries that I neither initiated nor approved. 

I have reached out to the associated creditors and it appears that they do not have any documentation or evidence to suggest that I initiated or authorized these specific inquiries. It is concerning, as these entries were made without my explicit written or verbal consent. 

In light of these findings and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX  Date : XX/XX/XXXX - XXXX XXXX ( Finance ), Date : XX/XX/XXXX To ensure a prompt resolution to this matter, I have enclosed proof of my identity and my current address. I anticipate a timely response and expect an updated copy of my credit report reflecting the necessary corrections. 

I trust TransUnion will handle this matter with the urgency and seriousness it demands. Thank you in advance for your cooperation and understanding. 

Warm regards, 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 2023-09-12 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXX XXXX XXXX Balance 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