vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the following accounts does not belong to me so i want it to be remove from my credit report asap. FYI this are the accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I found a vehicle on XXXX on XX/XX/XXXX. I communicated thru XXXX with the seller ( XXXX XXXX ) and he contacted me the morning of XX/XX/XXXX. After communicating via email XXXX his email address is XXXX XXXX, I decided to purchase the vehicle, which was a XXXX XXXX XXXX. I viewed the XXXX  XXXX and the VIN and vehicle history checked out. According to XXXX XXXX, he was out of the country. The vehicle was his XXXX 's and he preferred to use a broker to finalize the sale. The money would be wired to them, they would hold the money until I received the vehicle, and after 7 days if nothing was wrong with the vehicle, the sale would be final. The purchase price included shipping to me in XXXX, SC. So, the afternoon of XX/XX/XXXX, I wired the money to the auto broker 's account with XXXX. I was in contact with XXXX XXXX, who was the sales manager with XXXX XXXX XXXX XXXX. He sent me a Bill of Sale, I signed it, and sent it back to him vie email. he then sent me wiring instructions, and I went to my XXXX XXXX branch and wired the funds to the XXXX account referenced in the wiring instructions. I was then in contact with XXXX XXXX thru XX/XX/XXXX. That was the last day I spoke to either party. I emailed and called them with no response. On Sunday, XX/XX/XXXX, I searched the sellers email address on XXXX and his email address was mentioned over 10 times, quoting the exact words to me in his email, but for different cars. The next morning I called XXXX, got in touch with a man by the name of XXXX in their Wire Fraud Department. I told him what happened, he froze the account and advised me to get XXXX to send him a Hold Harmless Letter so they could send the funds back and also he would send a SWIFT message to them to let them know what happened and that this was possibly a fraud attempt. I then went to see a banker in the XXXX XXXX branch of XXXX XXXX by the name of XXXX XXXX. He started a claim for me because it was an in-branch transaction. It is XX/XX/XXXX, and XXXX XXXX refuses to send XXXX the information they need to release the funds back to me. They claim they have tried 5 times to reverse the wire, but this has all come after XXXX froze the account. I have been advise to file a fraud claim with the FTC and to file a police 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 2021-06-02 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: NY

Complaint narrative:
As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX, Transunion and XXXX reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} XXXX XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.

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 2021-06-02 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: NY

Complaint narrative:
As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX XXXX and Equifax reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} DRS XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/2021, I deposited a Cashier 's Check, drawn from XXXX XXXX into my personal account at Bank of America, at first the teller informed me that the funds would not immediately be available that they would be made available the next business day, then today I woke up to an email from Bank of America, that stated the the Cashier ; s check was going to be held for 10days and that funds would not be made available until XX/XX/XXXX, at XXXX XXXX.. I have attempted to resolve this several times, with several different departments at Bank of America to try to understand that a Cashier 's Check would have to be held for 10 days without receiving a logical answer from anyone as to why.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
After many years of being a CapitalOne customer, they have " permanently restricted '' my 3 card accounts and they can't tell me why with any specificity. They asked me to provide ID and social security cards for authorized users ( even AUs who were removed over a year ago ). I provided what I have, but they say it is insufficient but refuse to say what is missing or why it is insufficient. They won't even say which AU they are concerned about. 

Card ending XXXX ( personal card, had XXXX  - never more than 2 at a time - Has accumulated rewards miles that they won't let me redeem ) Card ending XXXX ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem ) Card ending XXXX  ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
the account was never authorized to report on my credit, please see the account below : Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi there, My name is XXXX XXXX, I am a crypto invester on Coinbase.com since XXXX, my account registed email is XXXX, all of my ETH coins were sold out and transfered to an unknow XXXX account on XXXX XXXX, I submitted the report form on same day by Coinbase.com online service, this company doesn't give any service phone No. or email to contact, but I received response email which told me they would investigate the case, almost 4 months was passed, I got no resault yet, I have submitted the request many times, each time I received the same auomatic reply email. Following is one of the emails : Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. 



In the meantime, you can find answers to many of your questions by visiting our Help Center. 



Regards, Coinbase Support I doubt this company has some problem, I saw on XXXX many same cases happened to others too. Just before my EHT was stolen, I set up my account with the Two-step 2-step verification, it ws impossible to be sold by somebody else, otherwise I should receive a notice text message, and my account shows the half masked XXXX account infomation, Coinbase has the clue to get money back, but they did nothing in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called transunion talked with a customer service rep and a supervisor no one would help me resolve my credit issues I have unknown inquiries on my credit report I informed the customer service rep and the supervisor I have not applied for any new credit and needed help getting these inquiries removed. I was put on hold for at least 20 mins and not one customer service rep could help me. I am in the process of buying a house and need these inquiries removed so I can move on with my process.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
I had a package stolen by usps worker, I tried contacting merchant and my account was closed I tried contacting usps and nothing came from the investigation even though packages in area are being scanned delivered and customers never receiving their packages. I submitted multiple disputes with cashapp, I was refunded the money then it was taken out my account again and the dispute was closed with no communication or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Investigation took more than 30 days
Company: U.S. BANCORP
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.

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 2021-06-02 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello, the debt that's reporting is inaccurate. I called to verify company that place negative item on account. They did not have proof. This is already in litigation process. I've sent out multiple letters yet no response.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
When trying to find my credit report on Transunion, I clicked on a link for looking at all 3 bureau report offer. Upon clicking it, I was automatically charged the XXXX $ for the report without every receiving it nor a prompt to confirm I was going to be charged. I have not been able to get a hold of their customer service, after hours of being on hold.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX  talked with a customer service rep and a supervisor no one would help me resolve my credit issues I have unknown inquiries on my credit report I informed the customer service rep and the supervisor I have not applied for any new credit and needed help getting these inquiries removed. I was put on hold for at least 20 mins and not one customer service rep could help me. I am in the process of buying a house and need these inquiries removed so I can move on with my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Please remove this account from my credit report XXXX  the credit reporting agency because this is a mistake, this account doesn't belong to me. You can find the account information below : Identity Theft SANTANDER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX XXXX, XXXXXXXX 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 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, Please remove these inquries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have gone back & forth request a supervisor and these XXXX just give me generic robotic answers and keep giving me the runaround. 1. I have repeatedly told them I CAN NOT log into this website on a desktop. When I login via mobile I get an error message and have to go back. 2. I have asked them for the full web address that I should be using to manage my credit card as sometimes companies move to a different website or merge, but dont give me any answers.

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 2021-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the account was never authorized to report on my credit, please see the account below : Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p ) & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called in Activate my credit I them the code and they say it was wrong it was not AND they had the wrong number they said they would contact me in five days by letter and they have not. I called and had the number correct and it still has the wrong number.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I called transunion and XXXX customer service I Informed them that I had some unknown negative inquiries on my report that I needed removed Immediately. I was put on my phone with Multiple customer service reps and supervisors letting me that the inquiries would be removed in 72 hours which was False information which is why I am now putting in this complaint because I need these inquiries 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 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
regarding account XXXX which you claim I owe {$68.00}. 
This account is unknown to me. 
I have reached out to the furnisher and they are unable to validate this debt as mine.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/2021, I saw a notification on my phone from Coinbase saying my two factor authentication had been changed. I logged into my Coinbase account and everything worked fine. I went back to reread the notification and could not find it. Thinking this was strange I contacted Coinbase customer support to see if they had sent the notification. I was asked me to explain what had happened in an email, which I did. Coinbase then locked my account. I did not lock the account. It is now 19 days later and I have no access to my account which has a very substantial amount of value to it. I have no idea if my funds have been frozen, or if they are going up and down with the flow of the market. I can not buy, sell or remove my assets from Coinbase. After numerous attempts to reach Coinbase, the only response I get from them are canned or blanket emails saying they will get back with me in 4 to 5 business days, which has passed many days ago. As far as I can tell they have no customer support at all. I trusted them with tens of thousands of dollars and they wont tell me a thing about what is going on with my money. Coinbase seemed to be a great company up to this point. Not being in control of your assets is a horrible nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc.
State: NY

Complaint narrative:
Earnest - the student loan refinancing company - is refusing to stop sending me mail offering their services. They are IGNORING my opt out notice which I have put in place three separate times. I have contacted the company to tell them this several times. They ignore my requests mostly and respond rudely when they choose to answer. They continue to harass me with mailers at my home address. 

XXXX CEO : XXXX XXXX

Company response to consumer: Closed with explanation