vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Checking over my report and I noticed some accounts that I have been disputing for over 40 days with no written response is still being reported on my credit. I have been filing multiple complaints & disputes against the creditors & your XXXX  plus third parties about going against the law reporting things inaccurate on my credit. Now the time is up I will need this remove immediately or legal actions will be forced.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Checking over my report and I noticed some accounts that I have been disputing for over 40 days with no written response is still being reported on my credit. I have been filing multiple complaints & disputes against the creditors & your XXXX  plus third parties about going against the law reporting things inaccurate on my credit. Now the time is up I will need this remove immediately or legal actions will be forced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Hello On XX/XX/XXXX I signed a lease contract with XXXX XXXX Honda ( dealership ) located at XXXX XXXX XXXX, CA XXXX. Unfortunately, a year later I found out that the contract I signed was not what I was informed at the time of sale. I asked XXXX XXXX ( Finance Rep ) if the vehicle came with the three-year services included in the contract, in which XXXX stated that the vehicle came with the three years services included them in my monthly payment, if are done at the same XXXX XXXX Honda location. To my surprise a year later, I was told that what I signed i was NOT the same lease agreement we had spoken about before I signed the sales contract, and that extra charge that I'm getting on my monthly payment is for some Treft Warranty that I was told it was included as part of the deal. 

The reason I state this is because on XX/XX/XXXX, I arrived at XXXX XXXX Honda ( dealership ) to get the oil change done on my vehicle, and XXXX XXXX ( service advisor ) informed me that my service contract had expired. XXXX explained to me that that service contract it was valid only for three services NOT for the three years lease contract. While they were taking my car to get the oil change done, I went to the front desk and asked to talk with any manager available. 

XXXX XXXX ( General sales manager ) came out to talk to me, at first, I told him that I was upset, because my contract was not what I was informed on the day of sale. He was rude and raised his voice at me, telling me that I was lying. XXXX also stated that every single finance office has a recording device that records every single conversation when they are singing a contract. I told him that its so unprofessional and against the law record someone without their knowledge, but that I was glad that they recorded the signing of my contract, because I was not lying. XXXX stated that he would request the record from their recording company ( he didnt want to give me a name ) and that he will give me a call.

Its been four weeks and I havent received any call, email or mail from this General Manager. Which only means that he was lying to me.

I also tried to get in contact with the dealership controller and no one was able to give me any information. I look on XXXX review and i found this email that is use for complains ( XXXX ). I emailed him back on XX/XX/XXXX and i still don't get any help. Only two phone calls trying to sell me another car. 

I would appreciate if you can help me get this issue resolved, and I can get what I was told the day I signed my lease contract, this problem has also caused me to incur additional cost by getting charged for my oil changes on my vehicle. 

I look forward to settling this matter amicably. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im a victim of ID theft. And : I produced all the documents to Experian and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Tired of having to keep disputing inaccurate information after 40 days. A computer generated system response is not acceptable I have contacted creditors & bureaus trying to solve this issue. & Im not waiting no longer you keep letting these people go against the law. I see the problem is not going to be solve until I get a lawyer. 

XXXX  XXXX XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NV

Complaint narrative:
Im a victim of ID theft. And : I produced all the documents to XXXX  and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please delete these unknown items from my profile. I want to buy a house now for my family and recently I saw accounts that do not belong to me. They are not mine and I do not want to have them. I am begging you as its very important for me. I believe I am a victim mainly victim of Identity theft. So kindly asking you to help me and make investigation in order to remove it.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Please delete these unknown items from my profile. I want to buy a house now for my family and recently I saw accounts that do not belong to me. They are not mine and I do not want to have them. I am begging you as its very important for me. I believe I am a victim mainly victim of Identity theft. So kindly asking you to help me and make investigation in order to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Conn's, Inc.
State: SC

Complaint narrative:
Conns is illegally reaging an account on my XXXX  credit report and my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am making the following Complaints and Observations Request for Statement of What Happened : Several months ago I was denied homeowner 's insurance coverage on a personal residence I own in XXXX, Washington by XXXX and XXXX XXXX because of information contained in my insurance report, the details of which were not disclosed to me. Accordingly, I requested a copy of my insurance report from the Comprehensive Loss Underwriting Exchange ( CLUE ), serviced by XXXX, which I understand contains up to seven years of personal auto and property claims history and to which I am entitled under the Fair Credit Reporting Act. In XX/XX/2021 I received an 86-page " report '' from CLUE which contains no history of reported losses or claims or any other relevant information with which an insurer or underwriter can assess risk in issuing a policy on this property. This property was covered by homeowner 's insurance for almost thirty years during which time, to the best of my knowledge, I filed no claims involving this property. I am attaching to this complaint a copy of a letter sent to CLUE on XX/XX/XXXX which contains a more detailed explanation. 


Fair Resolution Question : I am seeking a full and complete report from CLUE that I may review for accuracy to determine why I am being denied insurance coverage. I have carried insurance on this property for 30 years, have no record of claims, and am unable to understand why I have been denied coverage. Without this report, to which I am entitled by law, I can not offer any corrections or assert my rights as a consumer. 

I asked Comprehensive Loss Underwriting Exchange on the advice of Washington State Office of the Insurance Commission. Perhaps CFPB can contact them. Perhaps they will be more forthcoming with you than they were with me. 

Please respond to me at this email at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX XXXX  I need to solve me shortly I am very upset with you. {$7000.00} dollars in stock with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password or return all money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In reference to the 15USC1681A under the exclusion section ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report.

Meaning any card plate or coupon book existing for the purpose of obtaining money, property or service on credit. If these items are not removed this is a civil liability reporting these items that are inaccurate from my report. 
Also investigative consumer reports says when a consumer report should not include factual information because I was not interviewed nor have my neighbors, friends or associates. 
In fact at the beginning of the FCRA under the congressional findings congress right away removed themselves from liability letting the consumer know that this is an elaborate masochism they assume this ia a vital role of reporting information.

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 2021-07-29 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: CA

Complaint narrative:
XX/XX/2021 EXPERIAN WAS NOTIFIED OF DISPUTED XXXX XXXX XXXX # XXXX account. Failed to acknowledge notice within 5 days and failed to report as disputed and also failed to remove for obvious inaccuracy ( high balance reported as lower that the balance ) XX/XX/2021 -- -XX/XX/XXXX and beyond : EXPERIAN continued to report inaccurate information after being notified that XXXX XXXX XXXX , XXXX XXXX reports that an account shown as a charge-off/collection has a HIGH BALANCE that is LOWER than the BALANCE, which is impossible. 

Also, although Experian was notified of this dispute, it has failed for nearly seven months to report it as disputed. 

EXPERIAN has repeatedly violated the FCRA regarding the XXXX XXXX XXXX # XXXX entries since XX/XX/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 2021-07-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I originally wrote XXXX, TransUnion, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.

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 2021-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The reporting agency failed to comply with the requirements under section 15 U.S. Code 1681d of the Fair Credit Reporting Act.

After signing the return receipt label via USPS acknowledging delivery of my disputed claim on XX/XX/2021, the reporting agency did NOT : Provide me with any written disclosure by mail or any form pursuant to 15 U.S. Code 1681a ( 1 ) that an investigative consumer report including information as to my character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made ; causing an investigative report to be prepared.

Give a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title.

It is NOT a fact ; pursuant to 15 U.S. Code 1681d ( 2 ) (
A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) Pursuant to 15 U.S. Code 1681d ( b ) I am requesting the disclosure required by subsection ( a ) ( 1 ) no later than five days after the receipt this notice and ; make a complete and accurate disclosure of the nature and scope of the investigation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

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 2021-07-29 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: OH

Complaint narrative:
I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.

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