vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from XXXX was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either 9 or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all 3 websites, XXXX old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there 2 different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all 3 credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score. 

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it. 

XXXX refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system. 

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well. 

Can you help me or steer me in the right direction? What they did to me is not right.

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 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has 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 non-monetary relief
Consumer complaint received 2023-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( accounts- # 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 15 U.S.C 1681 section 602 A states i have the right to privacy 15U.S.C Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information .other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681s-2 n ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I've an account with Coinbase and have bought Cryptos twice. 

On XX/XX/2023 XXXX XXXX, I bought ETH crypto to send it to my wallet on another site that holds my wallet. To do that, I wired money the same day morning from my bank to Coinbase and bought ETH. 
When I was buying ETH, I wasn't warned that I'm retrsicted to send. Once I bought crypto, when I tried sending to my wallet by clicking on 'Send ', Coinbase showed me " Account Restricted You are currently unable to send crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' And the restriction is until 60 days. Coinbase knew that sending will not be possible and didn't warn me when I was buying ETH crypto. 

I've called the support and the support keeps telling me that they have escalated to the related team but doesn't give me the exact 'restriction ' reason. I'm a normal person who buys crypto 's and was trying to store to my wallet.

I've asked Support several calls asking what's this restriction about and the reason for this restriction- they don't say anything but repeat the answer that someone will get back by email - I've waited enough and hence this complaint.

This is a scam- they knew that they can not send and they didn't warn me - This is not good business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) violated the early-warning notice clause FACTA section 623 ( A ) ( 7 ). 

This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

I will explore all legal options if this item is not removed with 15 days of receipt of this complaint. 

I was XXXX  in Federal Prison from XX/XX/XXXX & released XX/XX/XXXX. 

My address during my XXXX  was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Moreover, received mail from : U.SXXXX Department of Justice United States Marshals Service Prisoner Operations Division Washington , DC XXXX XX/XX/XXXX, U.S. Department of Justice, United States Marshals Service mailed letter to me stating that my personal information may have been compromised On XX/XX/XXXX, the United States Marshals Service ( USMS ) , XXXXnformation Technology Division ( ITD ) received notification from the Department of Justice, Security Operations Center ( JSOC ) of a security breach affecting a public-facing USMS server that houses information pertaining to current and former USMS prisoners. This letter confirms that when the breach was discovered XXXX I was incarcerated until my release on XXXX. 

I never received any mail from PRA at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. 

Attached is dated letter XX/XX/XXXX from the U.S. Department of Justice, United States Marshals Service, PrisonerOperationsDivision Washington , DC XXXX Attached also in my release document from XXXX XXXX XXXX XXXX Would like PRA to provide copy of letter that was sent to my address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I sent an affidavit of Truth and right to recission simply informing that I am not terminating or canceling the contract but deducting my liability to pay on behalf of the obligor due to several violations that were discovered in said contract. On XX/XX/XXXX I sent the " request for verification for financial records '' on XX/XX/XXXX I sent the " request for verification for financial records '' and on XX/XX/XXXX I sent the " proof of claims '' and the " revoking of power of attorney. '' XXXX XXXX doing business as Bridge crest acceptance corporation failed to respond by verifying the debt and instead requested that correspondence stop being sent to them. Sometime on or after XX/XX/XXXX the car was recovered by a 3rd party that is unknown due to identity theft. I am led to believe that bridge crest provided my personal property information to a company to recover the vehicle on their behalf. Bridgecrest demanded that I pay them in US currency and in return the question that was asked is what is US currency? According to 15 USC 1605 a finacne charge does not include charges of any type payable in cash. 15 USC 1602 states that the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Credit was extended via my signature on the contract ( promissory note ) and the vehicle has already been paid for. Being as though the vehicle is already paid for the puporse of the letters being sent to bridgecrest were to clear matters up. XXXX XXXX doing business as Bridgecrest acceptance corporation failed to respond correctly. According to the constitution I have the right to travel in my personal vehicle which was paid for via the promissory note. 

" Where rights secured by the Constitution are involved, there can be no rule making or legislation which would abrogate them. '' Miranda v Arizona 384 US 436, 86 S. Ct. 1602 " The claim and exercise of a constitutional Right can not be converted into a crime. '' Miller v U.S. 230 F. 486 " There can be no sanction or penalty imposed upon one because of this exercise of constitutional Rights. '' Sherar v Cullen 481 F. 946 According to 15 USC 6802 third party repossessions are unlawful.

" Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. '' It was requested for Bridge crest to send the original contract with two wet ink signatures, and they failed to do so. 

Attached letters were the most recent letters notarized and sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8100.00}

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 non-monetary relief
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2023 - I went into XXXX and when I was at the front desk purchasing the clothes the front desk representative asked if I wanted a card that would save me 20 %. I thought it was a discount card that most places tend to offer thee days. So I applied and she said " you did not qualify '' I asked if it was a credit card that I was applying for and she said " Yes ''. She didn't inform me that I was applying for a credit card.

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 2023-07-30 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
YOUR COMPLAINT Capital one bank sent me a adverse action letter distantly stating due to my history and credit score that I was denied ( which is illegal ) pursuant 15 uscode 1602g we the consumers are the creditors also requesting my social security number on any application or transaction is illegal pursuant 42 us c 4208 reason for denial is creditworthiness which is not clearly 15 usc 1611 defined nor can u discriminate based on credit score becuase that is not accurate or set 12 cfr 1002.4 and 15 us code 1681 b I want my credit which is my right for one not all info reported is consensual per me and not correct so credit one is discriminating me while infringing on my rights and operating illegally its becoming prevalent that is the consumers are the creditors why would capital one deny XXXX XXXX credit not how its all in caps I need their desision to be reconsidered immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: WI

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: WI

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Contacted creditor explain to them this is not my account my information was missed used and stolen

Company response to consumer: Closed with explanation