vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
on XXXX XXXX I tried to cash in some ETH ( ethereum ) from my coinbase wallet to my coinbase account. When sending the transaction the phone kept saying error. I looked up Coinbase transaction where they sent me ETH to my coinbase wallet and used that address. Well it sent the XXXX of ETH to Coinbase XXXX where they sent me some ETH prior. So it went through. The ETH went to Coinbase corporation instead of my coinbase account. They have several times changed their rules on taking out so much and limiting no more than XXXX. So now they have XXXX ETH in their Coinbase XXXX account and have ask them for it several times, like 4 times one verbal and three emails. They said their working on it and then XXXX XXXX i get an email they are closing the case. They did not return my email on not closing the case. So this is theft if they do not send me the ETH to my coinbase account.. Coinbase says they are not responsible for Coinbase wallet. and Coinbase wallet is not responsible for Coinbase. CASE # XXXX Started on XX/XX/XXXX to XXXX XXXX XXXX I have the screen shots on my phone but I do not know how to send them for a file. The Coinbase wallet address is XXXX from XXXX to XXXX ( coinbase XXXX ) they have possesion of that XXXX ETH and it is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting 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:
I am at an end with this error on my report. I am tired of being ignored about this issue on my credit report. This inaccurate account is still reporting and continuing to damage my credit. This is a violation of the FCRA. I want to know why I am being ignored?

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 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received four collection letters from Lockhart , Morris & Montgomery Inc, for old medical debt stemming from a hospital stay from XX/XX/XXXX to XX/XX/XXXX. This debt was previously resolved on XX/XX/XXXX, by the previous debt collector, XXXX XXXX XXXX, which was the collection agency for XXXX XXXX XXXX XXXX XXXX. 

I have enclosed the letter I sent to Lockhart, the collection letters from Lockhart, and the billing statement from XXXX that shows a XXXX balance for all charges. 

I am not responsible for this debt. I do not owe the amount claimed by Lockhart. It has been paid in full. As you will see from the enclosed OnLine Information Services, the previous collector of debt canceled all balances and instructed the credit bureaus to remove all accounts from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
All motor vehicle corporations and incorporated any leasing or loans under my name XXXX XXXX under social security number XXXX XXXX XXXX XXXX was due to fraud and scamming and I don't own any vehicle. 

You XXXX reach me directly at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK
State: MO

Complaint narrative:
XXXX in California XX/XX/23 {$230.00} was taken fraudulently from a debit charge that wasnt authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
//The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time sending this complaint they said that my ID was not clear i need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account XXXX XXXXXXXX is paid in full.

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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCB/TJX COS has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/year> I notified SYNCB/TJX COS that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that SYNCB/TJX COS has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that SYNCB/TJX COS complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.

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 2024-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Genesis, a debt collection agent, stating they are contacting me to collect a {$51.00} debt I allegedly owe XXXX. This was confusing because sometime in middle of XXXX, my aunt had completed an application to live in XXXX in XXXX  and requested to add me as a roommate, but we never moved in. I called Genesis and they told me me they were limited in the information they could provide. The notice stated I had until XXXX XXXXo dispute the claim. 

On XXXX XXXX I visited the XXXX office to inquire further. The receptionist accessed my records and found that the application fee was paid. She asked her management how else they can assist me. I forwarded the email to Genesis and stated I'm disputing the claim. 

On XXXX XXXX  responded that I can contact Accountant Receivable. I immediately asked for their contact information. XXXX  provided a generic email address and phone number. I called the number a couple of times. The operator stated they are experiencing a high volume of customers and that I could leave a message or stay on the line. I stayed on the line and after a few minutes, I was hung up on. I then sent a detailed email to account receivable. To date, I have not received a response. 

On XX/XX/XXXX, I called Genesis and they stated my dispute was still in review. On XXXX, I emailed XXXX, requesting assistance on resolving this dispute because I feared impact on my credit score. XXXX  responded they had not received correspondence from Genesis regarding my dispute. I called Genesis and let them know. 

On XXXX XXXX emailed I'm not responsible for the {$51.00} application fee that was previously due and they would contact XXXX to close out the account. In my response back, I cc 'd XXXX, and demanded two things : XXXX ) that XXXX cc me on the correspondence to XXXX due to their grave mismanagement of the situation and XXXX ) that XXXX formally withdraw the demand formally and in writing, and that I receive the withdrawal letter via email. 

To date, XXXX has not sent an email to XXXX and I have not received a formal withdrawal notice from XXXX. My fear continues that my credit score will be impacted based on this improper and unfair proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against my student loan servicer, MOHELA, for their failure to properly manage my Public Service Loan Forgiveness ( PSLF ) payment count. This complaint specifically addresses MOHELA 's erroneous categorization of the payment period of XX/XX/XXXX, which was under administrative forbearance, as ineligible for PSLF credit, a clear violation of the regulations outlined in 34 CFR 685.205.

Despite the clear guidance on the treatment of administrative forbearance periods in the context of PSLF, and the obligations of servicers as underlined in the Consumer Financial Protection Bureau 's report, MOHELA has failed to adhere to these standards, leading to a significant misrepresentation of my eligibility and progress towards loan forgiveness ( Consumer Financial Protection Bureau, XXXX ). 

Prior to contacting your office, I initiated communication with MOHELA through a formal letter sent on XX/XX/XXXX, demanding an immediate review and rectification of my PSLF payment count. The gravity of MOHELA 's error and its potential to inflict long-term financial damage necessitates the intervention of the Consumer Financial Protection Bureau XXXX 

Enclosed, please find copies of all pertinent documents, including my initial letter to MOHELA, any responses they have provided, and detailed records of my payment history and the administrative forbearance for XX/XX/XXXX. 


I am confident in the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment of borrowers and anticipate your prompt action in addressing this complaint. Thank you for your attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX an American Express account was opened without my permission. I have been. Victim of identity theft my wallet and all my information was taken from me. In XX/XX/XXXXXXXX  I informed American Express. Instead of looking into the matter they cancelled the card and sent it to an outside agency. I call every week to get information but am stonewalled. For the last year they have continued to be negligent and continue to harm me by reporting me every month for not playing my bills and lowering by credit. 
I have varified that they have been untruthful and intentionally give me wrong information causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
My information was sold and bought illegally b/c I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete there illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. 
XXXX XXXX XXXX I understand the importance of maintaining accurate credit reports, and the presence of fraudulent accounts negatively impacts my financial standing. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request that you comply with the law in conducting the investigation. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Saturday XX/XX/ at XXXX XXXX, I deposited {$500.00} ( XXXX {$100.00} bills ) into my Citibank checking account ending XXXX at the ATM of their branch on XXXX XXXX XXXX, XXXX, CA XXXX. 

The ATM all of a sudden ended the transaction, gave me my debit card back and nothing was on the ATM screen anymore. All happened after the machine swallowed my Cash and nothing got deposited into my account ( Nothing is showing to this date ). 

I immediately called the number on the back of my debit card 7 minutes later and reported the incident. The representative told me that my money would show up imminently on my account and opened up a case ( Case ID # XXXX ) but four days later and my money is still missing. The representative over the phone sounded very incompetent and barely could speak English. 

The ATM had two security cameras above it which can confirm what happened easily, however Citibank is unresponsive and unhelpful. This is clear theft being done by Citibank. I don't know what to do anymore. 

Please help me.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-18 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-18 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: MO

Complaint narrative:
The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. 
There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered 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 2024-01-18 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: MO

Complaint narrative:
The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. 
There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: MI

Complaint narrative:
A charge off is considered a certificate of indebtness which means it is income and must be removed. This is also violation of my privacy under the Privacy Act of XX/XX/1974

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