vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

WFDS XX/XX/2021

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

EXETER FINANCE XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit card information was taken as I am suffering from identity theft. My debit card was used to purchase fraudulent concert tickets. I reached out to my bank in regards to these charges and they told me that they would investigate and nearly a month later my claim has been denied and the money was retaken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

SANTANDER CONSUMER USA XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX***-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$0.00} XXXX-XXXX****-Balance {$0.00} XXXX XXXX XXXXXXXX {$8400.00} XXXX {$18000.00} XXXX XXXX {$230.00} XXXX-Balance {$510.00} XXXX***-Balance {$720.00} XXXX XXXX-XXXX***-Balance {$1300.00} XXXX*-Balance {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Debt was result of someone getting cable in my name. Debt is not mine though I paid it to have it removed from my credit profile. I spoke with XXXX XXXX who said if taken care of if would be 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 2021-11-26 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: MI

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When paying things online with my debit card my money be taken out of my account but then they come back and try to charge me again. Plus when I make a deposit to try to get my account in the positive there still be messages saying my account is still negative and when I deposit a check they hold it and never deposit my funds on the next day. Plus its been times Ive had my child tax credit check deposited into to my account but when I try to purchase something my card always decline when theres more than enough money in my account for the purchase. Also when I got to the atm I get declined when its more than enough money in my account. This is embarrassing I have to call my the number on my card and wait for along time to get anyone. Wells Fargo is the Banks name. They are always late updating your account but quick to decline purchases or atm withdrawals and also quick to not accept deposited checks unless they are direct deposit but quick to let crooks withdraw money out of your account

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 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi. I would like to lodge a complaint against Coinbase Global Inc. 
Coinbase is a Cryptocurrency exchange and is a publicly listed business. I opened an account and started investing with Coinbase since XX/XX/2021. 
I had invested XXXX XXXX, worth more than {$20000.00} until XX/XX/2021. On that day my account was hacked and all my cryptocurrency amount transacted out of my account through XXXX transactions within a few minutes. 
While my account was hacked, I claim that Coinbase was the main contributor to this event as the hacking started after I responded to an email from their Customer Service. 
The email from Customer Service had been sent to me XXXX days prior to the hacking event ( XX/XX/2021 ) in response to a problem in my account that I had raised with them earlier. 
I trusted that Coinbase Customer Service email was legitimate as it had clear reference to my previous history and my complaint, so there was no reason for me to believe that it was fake. All I know is that once I clicked on the link provided in the Customer Service email my account was accessed and unauthorised transactions started. 
I was devastated and raised a complaint with Coinbase and received a complete rejection of my compliant and any responsibility for my account theft that was triggered through their own email. 
I understand that a lot of scams happens to people through scam emails but I believe the way my account was hacked is clearly a fault within the Coinbase customer service system. 
There is no ability to escalate the matter in Coinbase organisation, no phone response or direct email and I am really hopeful that you could help me getting my money recovered. 
I have also filed this matter with California Attorney General and Internet Crime Complaint Centre, XXXX. 
I would be more than happy to provide more information and evidences supporting my claim and looking forward to hearing from you about how I could get my money back from them. 
Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MI

Complaint narrative:
I received an authorized and unverified credit inquiry on my report unbeknownst to me. When I tried to have it removed, Equifax refused to remove it from my report after numerous attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I bought a small amount of XXXX cryptocurrency on the Coinbase app. The purchase was complete. Several days later, they went into my account and significantly reduced the amount of XXXX coins that I had bought. Now it is worth much less than the initial amount of money that I had paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: HI

Complaint narrative:
On my XXXX and XXXX Credit report a Company name I C System shows up THEY ARE REPORTING A PAST DUE BALANCE OF {$420.00} I DON'T KNOW THIS COMPANY - I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY THIS COMPANY DOES NOT HAVE A WRITTEN AGREEMENT OR A SIGNED CONTRACT FROM 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 2021-11-26 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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause 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 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a checking account with Citibank and have had {$7800.00} of my money locked for over a year now and they refuse to allow me access to my funds or allow me to close out the account and get my money

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I've gone to court, final thing is I have till the end of the month, I don't have no where to go I'm a XXXX XXXX patient, applied for five places and been denied without looking at property please help I've tried everything Thank you n God bless

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$540.00} Date Opened : XX/XX/2002

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I, sent an ACH CANCELATION REQUEST VIA EMAIL on XX/XX/XXXX, informed this company that I am not able to pay at this time because of financial reasons and complications with my benefits. I, gave them more information than I, should have. I, received a reply email from a account representative who advised me that my account records indicate that I have been in contact with the lender, I, continued to advised any representatives that called me that I, am still unable to pay, however when able I, will surely notify them but at this time I, am dealing with my husband 's health crisis and I, specifically told them that dealing with his XXXX, on top of everything else I was unable to pay, I'm sorry but I, have to manage my other obligations because he's now XXXX. XX/XX/XXXX, I, attempted to pay my household responsibilities using my SS Benefits, I, was decline that is when I, check my account and found that the funds was taken from my account. This was unauthorized, this vendor claims that, there was no ACH CANCELATION, even when I, submitted the proof that also contains the reply acknowledging my email. From XXXX to XXXX attempts were made to debit my account and suddenly XX/XX/XXXX, they take the funds that I, relied on for my husband medical needs and household responsibilities. We had no XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00}

Company response to consumer: Closed with explanation