vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, I transferred $ XXXX to Coinbase via an ACH from my bank. At time of transfer the system stated funds would be available for transfer or withdrawal on XX/XX/XXXX. XX/XX/XXXX, I received an email requesting an ID verification. I promptly submitted and cleared the request. In addition an email was sent stating a security freeze is on my account. Preventing me from withdrawing my money until XX/XX/XXXX. XX/XX/XXXX I called Coinbase support after there was no resolution via Coinbase chat support. During this call, an email was sent to me requesting some additional information. Following this is received an email from Coinbase stating : XXXX XXXX XXXX, Were happy to inform you that the review of your account is now complete. Youre now able to Buy/Sell/Send/Deposit/Withdraw We sincerely appreciate your patience during this process. If you need any additional support, please visit the help center. 


Regards, The Coinbase team I have received this email twice. After which I attempted to withdraw funds back to my original bank account. Each time Coinbase support stated I should be able to withdraw my money. While on the phone with Coinbase, I attempted to transfer & each attempt was cancelled without explanation. The Coinbase representative was confused as to what was happening. After hours on the phone with multiple representatives, each time they will come back stating the hold is to protect my money & me. How is stealing my money protecting me? Im an adult who doesnt need Coinbase to hold my money like a parent protecting a child. This is theft! I have all emails from Coinbase with multiple different explanations. From, funds are available as stated above to the can not tell me why they have a security hold. I have directly asked as to whether they are concerned for XXXX XXXX or other nefarious activities. They have stated no, but can not say what. I have since filed complaints with FTC & SEC. Intend to contact FBI next as I believe they are committing fraud & extorting money from clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
While reviewing my credit report, an account that reports as a charge-off with the name CCB/CHLDPLCE ( XXXX ) has continued to report duplicated in my history under the name COMENITYCB/MYPLACERWDS in the XXXX bureau, maintaining the same account number. This situation constitutes a violation of my consumer rights. At the beginning of XXXX, I sent a letter requesting the removal of the account in question, outlining my reasons and the issues for which I requested its removal from my credit report. However, as of the date of submitting this complaint, I have not received a response from them. Although the report from XXXX has been removed, the account remains non-compliant with the legal requirements established by Title 15 of the USC, failing in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.


15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
I had a {$3000.00} credit limit with Discover Card. 

I maxed out the limit and my account was suspended last year in XX/XX/XXXX. 

I had a 0 % introductory interest rate for one year when I opened the account in XX/XX/XXXX. 

I started paying back the balance but it wouldn't go down. I asked them what was wrong. They said that I was incurring late fees and return check fees. I said why? They said that when my auto pay hit my account if there was no money in the account they were charging me a {$41.00} return check fee every single time including when they themselves went back to try to withdraw money from my account. 

The thing is I have my auto pay set up to my cash app account and my cash app account didn't always have money in it, but I was always responsible and I always paid every single month. I figured that if the payment bounced back, it wasn't that big of a deal because I would always turn back around a couple of days later, put the money into my cash app account and pay my monthly fee. 

I also incurred some late fees and then my XXXX XXXX  this year in XXXX. I understand the XXXX is something that I can not change but I have paid over {$1000.00} on this account and my balance is still {$2800.00}. That makes no sense whatsoever. 

I sent them a letter and I said I'm only willing to pay up to {$1800.00}. They said that they are not willing to offer me a settlement. They also said that they are not willing to close the account or charge it off because I've been paying consistently. That's actually a problem because if the account were charged off it would stop accruing interest and I could actually pay off the debt. At this rate it says that I won't pay off the debt for 11 years but it is only {$3000.00}! 
I spoke with numerous hostile employees but one employee finally told me that she is going to work with me and request that the company take off the return check fees which are incredibly numerous and they're {$41.00} a piece. She said there's no guarantee and she also said that the company will not let me know that they've done that or not and then I will just have to check back. 

I'm writing this complaint to you all in the consumer finance department to have them be forced to take off those return check fees because for XXXX my bank confirmed that they do not charge the company any fee whatsoever when things don't come back, and on top of that I always paid my monthly bill. I have statements from my bank going back to XX/XX/XXXX where I have consistently paid every single month and what has been my reward for paying every single month, not a thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-05 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 2024-08-05 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: IN

Complaint narrative:
Something on my credit report does not look right and I would like to have the account investigated. I understand that you would investigate for accuracy and i would like the account looked at. could you investigate the account listed for complete accuracy. 

XXXX XXXX, Acct # 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 2024-08-05 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: IN

Complaint narrative:
Something on my credit report does not look right and I would like to have the account investigated. I understand that you would investigate for accuracy and i would like the account looked at. could you investigate the account listed for complete accuracy. 

XXXX XXXX, Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: NV

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 XXXX XXXXXXXX have violated my rights. 


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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: DC

Complaint narrative:
On XX/XX/year>, I tried to log into VIO Bank 's online banking portal, and was locked out due to mistyping my password. When I called online support, my call was dropped by a financial representative and no efforts were made to call me back. On the second call, they asked for this information to verify my identity : - Name - SSN - DOB - Account number - Unique identifying pass - Last interest received* - Last deposits/withdrawals* - Outside banking info ( acct and routing ) - Interest rate Out of this information that I was mostly able to supply ( I could not answer the questions with the * ), they could not confirm my identity and kept saying I could reset my password on the website. While trying to do so, their online portal kept crashing and saying that online banking was unavailable at the time and there was an internal server error, code XXXX. When I relayed this information, the representative refused to recognize those errors and insisted that I was doing it wrong, and explained that I must have been using the wrong account number. I've never had an institution talk down to me in such a way and not offer any other solutions. They suggested I used XXXX XXXX ( one of the worst and unsafe browsers ) to log into my account. There was no offer of escalation, no other solutions, and they refused to recognize any internal errors. I just want access to my account so I can no close it, and they are holding my funds hostage. They are also using extremely slow and inefficient portals and services to access information and that's suspicious as well.

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 2024-08-05 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Experian has blocked and frozen my entire credit report and score. That means no creditor, whether a new bank, credit card company, XXXX  XXXX, or an existing creditor I have accounts with can pull my Experian credit report or score, whether it's a hard credit pull or a soft credit pull. I have written them multiple times to release my credit report with no answer. 

When a new or existing creditor or bank tries to pull my credit report and score they get a message that states Experian has made a business decision not to do business with this applicant. This is an Experian decison. 

This is preventing me from applying for credit and managing my business appropriately. I am asking Experian to unfreeze my credit report and score to allow my creditors to access my credit report.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.

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