vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/2017

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Okay so the included documents for this dumpster fire should mostly speak for themselves, so I will just briefly outline what they contain and the broad strokes of this complaint. 

In XX/XX/2020, I had a Capital One XXXX Credit Card with a {$500.00} limit in good standing. 

I also had and still have a Capital One XXXX Checking Account. 

At the time I had been receiving pandemic unemployment checks from the California XXXX still. 

From time to time I would choose to deposit those checks into my Capital One XXXX Checking Account. 

I deposited a sizable amount of money by my modest standards on XX/XX/2020 or so. Just under {$2000.00} I think, all government checks which cleared in the normal amount of time those take to do that. 

In an act of good faith, I chose to use a great deal of my limited unemployment money to pay off the credit balance with Capital One, in full and considerably ahead of schedule. 

The Amount of this debt payment was between XXXX and XXXX XXXX dollars. Note that at this time my account balance WITH CAPITAL ONE XXXX was over XXXX XXXX dollars. 

That payment was made shortly after depositing the funds from the XXXX through mobile check deposit. 

It was visible in my account though when I chose to allocate some of it for payment to clear my platinum card of its current balance. 

Basically, despite the payment being with government guaranteed funds from the state of California, already deposited to the checking account with the SAME INSTITUTION AS THE CREDIT CARD ISSUER RECEIVING PAYMENT / CAPITAL ONE!!!?? 

Yet still.. well see attachments THEY closed down myXX/XX/XXXXcapital one card because THEIR OWN BANK FAILED TO ACKNOWLEDGE MY FUNDS ON DEPOSIT!! XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am 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 TransUnion 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 delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}

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 2021-11-17 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 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 or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am 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 TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX 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 non-monetary relief
Consumer complaint received 2021-11-17 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. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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. Upon reviewing my updates, incorrect personal 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 is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
Gemini Trust Company LLC. I registered an account with them to trade crypto currency. I deposited money bought XXXX. When I wanted to withdraw XXXX they deactivated my account and Support not responding to email. Upon opening I was asked to verify which I did and I got a notification that I have now been verified. Next is to start trading. So I went ahead and bought some XX/XX/XXXXIt was successful and it said I have to wait for 24hrs to withdraw. After 24hrs I tried to that was when it said XXXX app is less than 72hrs old. I waited for 72hrs. Then I tried to withdraw. Then I kept getting error that Im restricted I emailed support. I got an auto reply that I should upload a picture for verification. Which i did, no respond from any member on the team. I kept emailing for 4 days. No reply. I opened another ticket. They sent me the same annoying message that I should upload a pic of my id and a paper with some instructions. I did that too. No respond. I emailed support again. No respond and my money is still stuck in the account that is frozen yet, they wont review the Picture I was told to Upload neither will they verify and take restrictions off of my account so I can start trading or take away my

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I ordered high speed internet from XXXX XXXX XXXX in XX/XX/2020. The tech came out and installed the connection and then informed me that high speed internet was not available in my building. I told him that I did not want slow internet and to cancel my order. He said he couldn't but assured me that I could call and cancel for free. I called and the person on the phone apologized and told me how to send the equipment back which I did. I never activated the service. A couple of months later I received a bill for the install fee. Now it is in collections. It's a little over {$100.00}. I could pay it but I feel as though I was duped. I have called XXXX XXXX XXXX and spoken with the collection agency with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On monday XX/XX/XXXX. My cash app account was hacked for $ {$8800.00}. About XXXX was on XXXX and the rest savings. Cash app has no customer service and all these mobile platforms have the same theme wherein they are allowing these hacks to occur to the general public. I called cash app customer support and no answer. I can't use email because my whole account is missing. Last year I was hacked via cash app. I had all the security setups a person can have. It seems like these hacks use a sophisticated technology as my whole cash app account is gone. Why are all these hacks ALLOWED to occur to the people across country. we have the technology to stop this. I not stupid as I have communicated with these hackers and the one common theme is they tend to be of XXXX descent. The same happened with XXXX where I lost XXXX last year with no resolve. Since all this stuff is digital it's a matter of time before the next person get targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
To whom it may concern, On Saturday, XX/XX/XXXX my phone was hacked. I was not able to make calls or receive texts. The hackers deactivated my cell phone. They had complete access to my phone. 

I lost service on my ( XXXX XXXX XXXX  I was booted out of emails and accounts. When I checked my XXXX XXXX that evening, my funds had vanished. All {$13000.00}. I was devastated and reached out to customer support. They informed me that it wasnt their fault as the hacker used my password and XXXX codes. This is false as I did not authorize the transaction. They sent me an email when the hacker had access to the account with me realizing that my funds were stolen in four minutes, around XXXX that day. 

After trying to figure what has went on and back and forth with Coinbase Support I realized that another transaction had happened on XX/XX/XXXX. This was for {$1000.00} from my XXXX account. I have informed my bank immediately. 

I hope to have a full refund of my coins from Coinbase, all {$14000.00} and access to my account again. 

I have opened up a case with Coinbase regarding the fraudulent transactions. Please reach out if you need my case number. 

Look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I went to my local Citibank branch to open a checking account and a savings account. At the time, there was a promotion that stated if either account could maintain a balance of at least {$5000.00} for 60 consecutive days, that I would be awarded a bonus of {$200.00} per account. 

Fast forward 60 days - the bonus was never received. In fact, Citi charged me a bogus {$25.00} " fee for monthly service '' to dip me below the {$5000.00} threshold, then promptfly refunded the fee when I complained and they realized their mistake. The branch manager who I made the accounts with, XXXX XXXX XXXX, quickly resolved this mistake once notified. 

XX/XX/XXXX - I emailed XXXX XXXX XXXX to try to receive the bonus since I met all of the terms and conditions ( XXXX & XXXX ), but no response. 

XX/XX/XXXX - XXXX - XXXX email XXXX XXXX XXXX again, no response. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX once again, still no response. 

XXXX XXXX XXXX  - I reach out to Citibank through phone line and open a case against XXXX XXXX XXXX and have them look into the issue. XXXX XXXX XXXX emails me afterwards saying that he " submitted an investigation '', but then provides a copy of different XXXX XXXX XXXX  to the ones in my possession. I scan and email the XXXX & XXXX to XXXX XXXX XXXX, but obviously he ignores me again. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - you get the picture... 

XX/XX/XXXX - XXXX reach out to Citi through phone line again in attempts to resolve the issue, but they are of no help and say that I did not meet their XXXX XXXX XXXX  At this point, after a year of trying to patiently resolve this, I forfeit and decided to file with the CFPB. 

Citibank provided absolutely terrible service, used misleading marketing to get me to sign up, and repeatedly ignored attempts at communication and resolution. Hopefully this case will help regulators clear up these types of practices. Shouldn't we hold these " top tier '' banks more accountable for their actions?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2021-11-17 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER : Account number : XXXX, Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading and multiple inaccuracies. therefore it's in violation of section 609 & 611 of frca. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA XXXX XXXX. FILED : XX/XX/XXXX XXXX ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 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 or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 and need to remove from reporting : XXXX XXXXXXXXBalance {$3900.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to XXXX ; Experian and XXXX All three refuse to send me hard copies of my reports, and Electronic access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " XXXX XXXX lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from Experian advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than XXXX times. 

Your lack of authority over them and their XXXX defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX Office directly.

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