vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to Coinbase regarding a Fraud and theft of my assets on my Coinbase account and they refused to investigate and fix the issue. I have contacted Coinbase regarding a Fraud/Theft again in XX/XX/XXXX and yet nothing was done to help my case. As a consumer, my right of protection and to be insured against any illegal activities with Coinbase was violated. I have not initiated or authorized any such transactions, and I am deeply concerned about the security breach. I request your immediate assistance in investigating and resolving this matter. I have taken the necessary steps to secure my account by changing passwords, but I believe it's crucial for Coinbase to conduct a thorough review of the unauthorized transactions.Please provide guidance on the steps I should take to recover the lost funds and enhance the security of my account. Additionally, I would appreciate regular updates on the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : 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 2024-03-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : 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 Furthermore, the reported bankruptcy ( Bankruptcy XXXX XXXX XXXXXXXX Reference : XXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.

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 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had this account since XX/XX/XXXX when we moved into our home. I opened an 18-month interest-free account for furniture. I received a notice that some of my bills through bill pay were not going through for about 4 of my accounts. I started researching and calling around and noticed that on XXXX, I saw that I was paying interest and was not supposed to per my contract. Then within that same year, I received a letter stating that my account had closed, I called to ask why it would close and I am still making on-time payments on my account. I never got an answer, but they told me to upload all my documents into synchrony account and wait for someone to contact me. When I noticed no one had reached out to answer why the account closed and why have I paid interest on an interest-free 18-month loan, I realized I could no longer get online. By this time, I had always paid more to my accounts and the monthly was {$80.00}. I reached out to the bank and asked why my payments arent being received per the rep statement from Synchrony. I explained that it was autopay through my bank and uploaded it to the system for review. My XXXX payment showed that it was sent but I am waiting for the other party to add it to my account. She also stated that they were electronically sent so they should have had it by now ( XXXX ). Along with these payments of {$80.00}, they always added {$41.00} interest and other fees. Now I can give you all the dates that I can see from my side, but the banker showed they had it but was not added to their account. The company does not answer my calls or messages. Do not forget that they closed my account prematurely as well. So, as I was waiting, trying not to confuse the situation with the back and forth between the two companies, XXXX stated they would send the document and I uploaded it for the second time. I got no answer, so I went ahead and started sending payments that I could see without ordering more paperwork. Please tell me why interest is still on my account, they closed my account prematurely, and my statements all have the amount due over {$80.00}? Also, they had me down for some kind of insurance and they never sent me the check back where I did not ask for that coverage being I have insurance with my job for if I lose a job they would make my payments. Please see below for payments. 

XX/XX/XXXX {$100.00} ( {$35.00} overpayment ) XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX Never was entered XX/XX/XXXX {$80.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$130.00}

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 2024-03-05 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Reviewing my credit card at the online site, I noticed that my credit limit decreased from {$3000.00} to {$1500.00}. On XX/XX/year> I called and spoke with a customer service representative and explained that my credit limit was deceased. I confirmed in the past 12 months, I was late making a payment once, this was in XXXX XXXX, the payment was made on the XXXX day after it was due. I requested to speak with the department that could listen to my complaint ; and honor my request to to appeal. I was told XXXX XXXX XXXX does not have a department like that. I was then told that I would have to dispute the decrease with TransUnion ; the credit bureau because they determined that my XXXX credit limit should be decreased. I am disputeting this info. After my late payment in XXXX, XXXX did a soft credit pull and because of adverse I formation on myveport ; XXXX reduced my credit card limit, this is what I believe oppose to the info I was given ; that transunion reduced my credit limit amount based on adverse info on credit. Then my credit limit was decreased from XXXX to XXXX ; my current balance at the time was XXXX ; so now my credit card utilization is at 90 % ; which is not a fair reflection of my credit report I Iwould like my account reviwed and my credit limit returned back to 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 2024-03-05 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:
I would like to express my utmost concern regarding fraudulent items on my account that have not been promptly addressed despite multiple attempts to resolve the issue. As a valued customer of your institution, I trust that you will take immediate action to rectify this matter. 

It has come to my attention that there are unauthorized transactions appearing on my account statement, which I strongly believe to be the result of fraudulent activity. I have made several attempts to report these unauthorized transactions and have provided all necessary documentation to support my claim. However, the fraudulent items remain on my account, and the issue remains unresolved. 

I demand swift action to remove the fraudulent items from my account and conduct a thorough investigation into the matter to prevent any further unauthorized activity. It is imperative that my account is restored to its accurate and secure state without delay. 

Furthermore, I expect clear communication from your institution regarding the steps being taken to address this issue and prevent similar incidents from occurring in the future. As a victim of fraud, I deserve transparency and assurance that my financial well-being is being safeguarded by your institution. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Failure to do so will compel me to escalate this complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that these accounts do not belong to me, and I demand their immediate removal from my credit report. XXXX  XXXX XXXX XXXX and 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 2024-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. 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 2024-03-05 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I had a Fraud with a company call XXXX! they offered to me an invest is gold through a professional broker of name XXXX, and trade every 3 days or less. they told me that I won money, but when I try to transfer my money to my bank account, they request the taxes and told me that if I don't pay in 3 days, my money will transfer to a donations! the short history is that I lost my money and the site don't exist anymore! I going to explain better in a file!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC
State: CT

Complaint narrative:
I leased a car from this company not even XXXX months into having the car the engine blew I was stuck on the side of highway miles away from my home. Eventually I ended up getting car towed back to used dealership & didnt hear anything back for a few weeks. This company harassed me for a payment by calling all of my emergency contacts INCLUDING my employer asking for me. They were demanding payment for a car that was no longer in my possession. Please remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I would like to express my utmost concern regarding fraudulent items on my account that have not been promptly addressed despite multiple attempts to resolve the issue. As a valued customer of your institution, I trust that you will take immediate action to rectify this matter. 

It has come to my attention that there are unauthorized transactions appearing on my account statement, which I strongly believe to be the result of fraudulent activity. I have made several attempts to report these unauthorized transactions and have provided all necessary documentation to support my claim. However, the fraudulent items remain on my account, and the issue remains unresolved. 

I demand swift action to remove the fraudulent items from my account and conduct a thorough investigation into the matter to prevent any further unauthorized activity. It is imperative that my account is restored to its accurate and secure state without delay. 

Furthermore, I expect clear communication from your institution regarding the steps being taken to address this issue and prevent similar incidents from occurring in the future. As a victim of fraud, I deserve transparency and assurance that my financial well-being is being safeguarded by your institution. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Failure to do so will compel me to escalate this complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

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 2024-03-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 explanation