vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has violated FTC rule of 30 days to investigate the claim. They have responded with a result that they have investigated the claim. however they have not investigated the claim at all. A credit inquire i requested investigation from equifax was never investigated and 24 hours after the request they responded that it was verified.

the example above just one of the cases when they did not take the request to investigate seriously,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pavilion Payments US BuyerCo, LLC
State: NY

Complaint narrative:
I reached out to CFPB to contact Global Payments Check Services on my behalf to stop contacting me about a debt that I owe them. Global Payment Check Services responded and told me that they will take the necessary steps to immediately cease further contact for collections purposes and will submit the chargeback and dispute to the merchant. I received another letter from Global Payment Check Services today XX/XX/2022 asking for a police report and notarized affidavit of forgery referencing this specific check. They are NOT suppose to be contacting me about this matter any longer per the companys response. This was already disputed and resolved. They need to STOP contacting me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 XXXX  Account # 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.

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 2022-02-24 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: TX

Complaint narrative:
I disputed an account reported on my report and asked for proof of verification of accuracy of a {$240.00} collection on XX/XX/XXXX. As it shows on the certified receipt it was received on XX/XX/XXXX. I received a report stating the item was verified but zero documentation of how it was verified, which was specifically requested. 
On XX/XX/XXXX I submitted a second request asking how the item was verified and with whom. That letter was recieved on XX/XX/XXXX. I recieved a report that the item was updated but still no information of how this item was verified to be accurate.

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 2022-02-24 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: CA

Complaint narrative:
XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-02-24 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: CA

Complaint narrative:
XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: GA

Complaint narrative:
I took a loan from XXXX XXXX, a XXXX XXXX XXXX XXXX subsidiary. I owe the company the debt. The debt negotiation was made on my behalf by another credit relief company called XXXX XXXX. the negotiation was completed, and I made the complete payment for the debt. Then XXXX XXXX XXXX XXXX gave me a release letter for the account, which shows I have completed my payment. But t XXXX XXXX XXXX XXXX refuses to authorize the release of my withheld account. These accounts are Cash App and XXXX XXXX. 
Today, XXXX, the cash app sent me an email that XXXX XXXX has not sent them a release letter. my account with cash app and XXXX XXXX is still held because XXXX XXXX  refused to send the release letter to the cash app and XXXX XXXX for my accounts release please help me to tell XXXX XXXX XXXX XXXX to release my accounts. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.

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 2022-02-24 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 XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AR

Complaint narrative:
Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report.

Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because Equifax continues to report these inaccurate accounts. Which I never gave them any consent to furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.

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 2022-02-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
Coinbase has not allowed me to access my account for the sake of obtaining tax documents. As my prior three CFPB complaints against Coinbase show in great detail, Coinbase 's other customer service issues forced me to use multiple email addresses, including one email address that no longer exists, to access and ultimately transfer my wealth. 

At this point, all attempts at resetting my password require access to my old email address, per email correspondence with Coinbase and three customer service calls ( two calls on XX/XX/XXXX and one call on XX/XX/XXXX ). I no longer have access to said email address and it can not be reactivated ( it was an old email from college that expired in XXXX ). The representative I talked with on XX/XX/XXXX said there is absolutely nothing she can do to help me access my account and subsequently my tax documents without access to the inactive email address ( which again, I only linked to Coinbase due to a previously filed complaint on erroneous trades ) despite providing all corroborating account information, such as legal name on account and the final four digits of the bank account to which funds were transferred to my Coinbase accounts. 

I'm exhausted from working with Coinbase. They can't service customers in the most basic ways. I have already sold all of my crypto so I no longer have to access the platform moving forward, but I just want my XXXX tax documents to file with the IRS. 

This continues to be an absolute nightmare of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, 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 sent transunion a letter with a copy of my social security and other identifying information. Some representatives have said that they can see it on my account, while others say they can not. 

Regardless, I sent the letter a year ago, in XX/XX/2020, and was under the impression that it would be resolved., and due to the inconsistency in their information, i am not comftorable sending additional information, nor should I have to. I sent you this information already. I dealt with their brutal and terrible customer service. Its not happening again. I am not sending this sensitive information over the mail again, especially considering the TransUnion either lost it, or it has been received. 

This issue further stems from their error of misreading my original SSN. As a result, they should fix it. I have been unable to get a credit card for 2 years ; this has been a serious affect on my ability to be financially independent and to have access to credit when i need it. 

Furthermore, Sensititve informationespecially SSNs should be taken better care of then this. 

Honestly, TransUnion needs to be punished. They are hurting millions of people like me evereyday by not simply doing their jobs.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XXXX XXXX, I looked at my credit report because it said that I had a new hard inquiry. I did not do an application for a Capital One Credit Card. I let them know that. On XX/XX/2002, Capital One called me and then they informed me that they are going to mark it as fradulent. They asked me what state I lived in and I told them XXXX. They said oh. I asked, I'm guessing that that is not what is on there? They said they couldn't tell me. But he slipped and said no. I asked if it was XXXX, he just made a noise. I am suppose to ask the police department if they can get a copy of the application, because I am not allowed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: PA

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

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 2022-02-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

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 2022-02-24 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 XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo approved a loan for me {$8500.00} on XX/XX/21. I paid this loan off in total on XXXX. Made me believe that i would get a partial refund. They reneged. I contacted the BBB about this. They got in contact with the above and received a response that they will not pay. If i had known that this would happen, i would have taken my time paying off this loan. I have proof to back up my claim. If a resolution is not forthcoming i will take it to a different level. What i mean by that is court, attorney etc.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX BOUGHT FURNITURE AT XXXXXXXX XXXX NEVER GOT COPY OF CONTRACT AND SIGNED ON TABLET AT STORE WITH 2 OTHER WITNESSES. WAS TOLD WOULD RECEIVE ALL IN MAIL WITH COUPON BOOK. NEVER RECEIVED COUPON BOOK TILL EARLY XX/XX/XXXX. FIRST PAYMENT STATED DUE ON XXXX RECEIVED CALL ON XX/XX/XXXX SAYING LATE AND PAID BY PHONE MY BANK TRANS # XXXX XXXX CONTINUED TO LUMP MY PAYMENTS UP AS THEY REPORTED TO CREDIT REPORTING AGENCIES SHOWING ME LATE INSTEAD OF FIXING MOVED ON MY CREDIT REPORT AS LATE FROM XX/XX/XXXX TO XX/XX/XXXX. PAID THOSE MONTHS SOME IN ADVANCE AND XXXX  NEVER HAD PAYMENTS APPLIED CORRECTLY TO EVEN KNOW WHEN I WAS DUE. SINCE THEN MY INSURANCES HAVE INCREASED 40 % FOR MY AUTO, BUSINESS, MY CREDIT SCORE DROPPED DRASTICLY, I HAD ONE CREDITOR LOWER MY CREDIT CARD LIMIT FROM XXXX TO XXXX INCREASE INTEREST COSTS AND DENIALS AS WELL. I ALSO PAID THE 36 MONTH ACCOUNT OFF IN 8 MONTHS

Company response to consumer: Closed with explanation