vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Was given an initial email on XXXX from Coinbase Compliance requesting additional information to verify my Coinbase account. No notification was given in the Mobile App so I assumed the initial email was a scam. Several follow up reminder emails were sent on XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX which mentioned since Coinbase hadn't received a response to the initial email sent on XXXX, my account would be restricted. My account was restricted from buys/sells, withdrawal and transferring. I responded back to the initial email on XX/XX/XXXX with the requested information of 3 recent paystubs from my Employer, XXXX W-2 and 3 recent months of bank statements. On XX/XX/XXXX, Coinbase sent an email mentioning that theyve received my documentation. On XXXX, Coinbase sent another email mentioning that the review is currently under progress. It is currently XXXX and my account is still restricted with an inability to withdraw, buy/sell or deposit funds/ cryptocurrency. Requesting that Coinbase hastily un-restrict my account as I've provided all requested documentation and have given them a considerable amount of time to perform their Know Your Customer ( KYC ) information check. 

Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Dear human being, To whom it may concern, Listen I am going to be brief with here. 

Do you think that messing with people 's financial life is a joke or is fun. 

Ever since 2020 when I first when I first became that there were corrupted items on my consumer credit report and I file complaint about them to you ( Entities : XXXX, TransUnion and XXXX ) this the same response that you have always given " Company is still working on your issue. '' All the all you have done is using stall tactics even I hired multiple credit repair agencies to help deal with those corrupted items that you had placed on my consumer credit report. So you used all kinds of stall tactics and even blocked me from having access to my consumer credit reports. Till when are you planning to keep on working on my issues and never doing anything worthwhile. Listen, I have plans to start a business I haven't started because I need finances but with all those corrupted items on my consumer credit report the interest on any loan would be to high and also the loans are hard to get. 

My question is till when are planning of working on my issues and never doing anything worthwhile? 

Listen, I am disputing any negative items that is fraudulently reporting on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear human being, To whom it may concern, Listen I am going to be brief with here. 

Do you think that messing with people 's financial life is a joke or is fun. 

Ever since XXXX  when I first when I first became that there were corrupted items on my consumer credit report and I file complaint about them to you ( Entities : Equifax, XXXX and XXXX ) this the same response that you have always given " Company is still working on your issue. '' All the all you have done is using stall tactics even I hired multiple credit repair agencies to help deal with those corrupted items that you had placed on my consumer credit report. So you used all kinds of stall tactics and even blocked me from having access to my consumer credit reports. Till when are you planning to keep on working on my issues and never doing anything worthwhile. Listen, I have plans to start a business I haven't started because I need finances but with all those corrupted items on my consumer credit report the interest on any loan would be to high and also the loans are hard to get. 

My question is till when are planning of working on my issues and never doing anything worthwhile? 

Listen, I am disputing any negative items that is fraudulently reporting on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
On XXXX XXXX Transunion performed an inquiry ( transunion consumer inactive ) I am unaware of what this inquire is about and why is it performed. Due to this inquiry my XXXX XXXX XXXX XXXX  was affected. My credit line was decrease significantly due to inaccurate information given to them by transunion. I did not give permission to transunion to pull my credit report nor to supply my information to them. XXXX has stated that transunion has supplied information stating that I have accounts that are delinquent. As of today I am unaware of any delinquent or negative accounts.This action has caused my husband and I emotional distress.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2024 This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are Compliance.

Please re-investigate this account is inaccurate and Unverifiable. 
Please delete accounts at once. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these from my report Misleading and false information I have made several attempts to get u to validate this method u are in violation of my rights with FCRA According to Section 611 ( a ) ( 6 ) ( B ) Please be advised that under Section 611 ( 5 ) ( A ) u are require to delete everything that can not be be verified promptly. 

Also please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness Thank you for your help regarding these issues

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 2025-01-08 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:
XX/XX/year> This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct.

These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are Compliance. 
Please re-investigate this account is inaccurate and Unverifiable. 
Please delete accounts at once. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these from my report Misleading and false information I have made several attempts to get u to validate this method u are in violation of my rights with FCRA According to Section 611 ( a ) ( 6 ) ( B ) Please be advised that under Section 611 ( 5 ) ( A ) u are require to delete everything that can not be be verified promptly. 

Also please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness Thank you for your help regarding these issues

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 2025-01-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I am a victim of Data Breach and fraud has occurred involving my personal information Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2 I formally request a fraud block to be placed on my credit report. Accounts listed as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-08 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: TX

Complaint narrative:
I started receiving emails from a XXXX email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted XXXX  customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate XXXX  email so ensure they were not a scam email. I send the email address and asked if it was a true XXXX email. I was told to ignore these emails as the email address was not from XXXX  and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my XXXX XXXX and upon my own investigation found that it was caused by my XXXX  account. I again called XXXX  and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from XXXX  and although my payments were on time, they were from a XXXX account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from XXXX  twice and been denied each time.

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 2025-01-08 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 started receiving emails from a XXXX email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted XXXX  customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate XXXX  email so ensure they were not a scam email. I send the email address and asked if it was a true XXXX email. I was told to ignore these emails as the email address was not from XXXX and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my credit score and upon my own investigation found that it was caused by my XXXX  account. I again called XXXX  and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from XXXX  and although my payments were on time, they were from a XXXX account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from XXXX  twice and been denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started receiving emails from a XXXX email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted XXXX  customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate XXXX  email so ensure they were not a scam email. I send the email address and asked if it was a true XXXX email. I was told to ignore these emails as the email address was not from XXXX  and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my credit score and upon my own investigation found that it was caused by my XXXX  account. I again called XXXX and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from XXXX  and although my payments were on time, they were from a XXXX account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from XXXX  twice and been denied each time.

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 2025-01-08 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: SC

Complaint narrative:
I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information. 

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My info was leaked in a ton of data breaches that had ruined my life. Some criminals got a hold of my information and have using it until it could not be used anymore. Im now being harassed by companys to pay them money I dont have. I cant open a bank account and I cant get a credit card because my credit is ruined.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX late payment for the month of XX/XX/2022, but it states last payment received was XXXX XX/XX/2022 with XXXX, also with Experian, but with XXXX it states XX/XX/2022 which means payment was not late. This account is affecting my credit worthiness when its inaccurately reporting. I ask that this account be updated to paid as agreed or removed from all three credit bureaus. Also it shows payment status paid as agreed for XXXX and XXXX for Experian it states 30 days late how is it possible the Payment status is ok with two bureaus such as XXXX and XXXX but not Experian. This company is furnishing my information illegally. According to the FCRA 15 U.S. Code 1666b - Timing of payments it states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XX/XX/2022 how can a payment be 30 days late, if it shows Ok status for the previous months XXXX, and XXXX thats inaccurately reporting. I demand to be updated immediately I will attach attachments below please review them.

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 2025-01-08 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: SC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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