vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28 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:
This is not my first case open with the CFPB concerning these accounts. I am completely shocked on how I am not being heard concerning these issues with XXXX and Equifax concerning this account. I have been disputing the inaccuraccy of this account for XXXX plus years. as of XX/XX/2022 report XXXX on account XXXX XXXX XXXX XXXX XXXX XXXX and Equifax continues to report in accurate information and now allowing XXXX XXXX to report unverified information as well. I am in receipt of XXXX letters stating that my disputes of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic Then turn around and say that these items are verified. How? They haven't produced any documentation that I have requested from them. Yet you say its verified. ALL INFORMATION ON MY CREDIT REPORT IS SUPPOSE TO BE TRUE AND ACCURRATE YET BOTH BUREAUS ( XXXX AND EQUIFAX ) are reporting inaccurate information repeatedly. 
1. XXXX shows that XXXX XXXX XXXX is the original creditor, while Equifax shows XXXX XXXX. 
2, Both have different open dates that are both inaccurate XXXX. Both bureaus have inaccurate payment histories and account status don't match at all. 
4. The balances are also inaccurate. 
5. When were payments made? A payment history is reporting.No valid or verrified information is being reported. 
I have tried to fix this account over XXXX times and still I am being ignored. I have the right to have my credit report true and accurate according to the laws of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: WI

Complaint narrative:
There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.

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 2022-03-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.

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 2022-03-28 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX University Accounting Services of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I opened joint checking account with my mother, when unrecognizable phone # appeared in my online login, I closed account unfunded. Fast forward to XX/XX/XXXX when I opened new joint checking with my mother. As no new unrecognizable phone # s appeared I assumed issue resolved & continued. When we visited local branch to add my brother -all at same address, a XXXX yr old account of my mother 's appeared that my brother & I were attached to with recognizable old phone # s. After updating account with MY phone # s only my mother & brother can access security verification. So Bank of America gave away MY phone # s, making me a guest on MY account. Now I received an email from Bank of America collection department for debt I NEVER had & since then only my landline was manually re-attached ending in XXXX BUT my cell phone ending in XXXX was not, leading me to suspect it was attached to the other person steming from XX/XX/XXXX data mishandling.

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 2022-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was securian that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from 2017. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX | Reviews | XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXXXXXX & XXXX. This business is not XXXX  XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a HSBC XXXX Bank credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( A & XXXX management ). I contacted XXXX XXXX XXXX XXXX at the above information to procure a paid in full letter to give to the new company. 

The person at the ( XXXX ) XXXX took my name and the last four digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then zero. In order for us to send out that letter, you have to get a HSBC Security Card. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. 

I called back the XXXX XXXX XXXX XXXXXXXX and am now paying them again to avoid civil litigation. XXXX XXXX XXXX  settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to HSBC XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX never sent a paid letter or email, but I do not still owe this HSBC debt and am now paying a second time. 

I wanted to see what would happen when I called back XXXX XXXX XXXX XXXX XXXX. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a HSBC credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am another victim of the theft of crypto assets from an IRA account maintained on Geminis XXXX exchange. On XX/XX/XXXX a bad actor was allowed to steal from my retirement account the amount of XXXX ( ~ {$42000.00} at the time event ). 
A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist bank never sent me a debit card, for starters. The wait time on the phone is upwards of two hours and then you get hung up on. I deposited a check last week and it has yet to show up in my account, so basically they have stolen my money. They will not respond 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi I am a Coin-base Inc user and I have a problem accessing my assets. I believe this is unfair, it says we are having connection issues. Please quit the app and try again. Your funds are safe. This has been happening for 4 days now and I can not access this part of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXo XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.

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 2022-03-28 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 
XXXX XXXX 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 XXXXXXXX 15 USC 1681 section 602A states I have the right to privacy as a consumer.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NE

Complaint narrative:
My XXXX had accounts with PNC Bank. She passed away last XXXX. Once the bank was advised she passed, they started withholding interest on her account. I disbursed the funds from her account to the heirs and then tried to get the withheld interest. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first 3 times they said they were going to send me a form to complete to get the interest. Never did they send me the form. Today when I called, I verified my address ( which they have in the system because I've been on the account before she died ) and they asked me what form was I supposed to get. I said I didn't know and got hung up on. I also noticed today that they put a {$15.00} charge on the account and couldn't explain why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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: SC

Complaint narrative:
I have repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.

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 2022-03-28 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I sent in my written disputes, according to the Fair Credit Reporting Act sections 609 and 611 all of these collection accounts shall be removed from all of my credit reports.

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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - my phone service suddenly came to a stop, preventing me from making any phone calls or using cellular data, which I found strange. Later I found out that someone or a group of people used a sim-swap to obtain my phone access and personal information. 

XX/XX/XXXX - I found out that I had lost access to both my bank account and coinbase account. I contacted coinbase through chat, phone etc whatever I could in order to prevent any feature damage. 

XX/XX/XXXX - When I got notified of an unauthorized coinbase transfer in the morning of the XXXX, I quickly took action so that the withdrawl could not be processed, and received a confirmation email that it was canceled ( I will include a screenshot of the confirmation email as well ). And after I made the new account, this same amount that I prevented from leaving my account was all that was transferred back to me. All of the remaining amount I had never received any emails or notifications of it being stolen ( Around XXXX USD at the time of event ). I believe that coinbase has the responsibility to return those funds to me. 

XX/XX/XXXX ~ XX/XX/XXXX - I did everything I could do to strengthen the security to personal information and financial information. Continued to attempt to contact coinbase for transaction history which took them days to respond. 

XX/XX/XXXX - Since the first request on XX/XX/XXXX of XXXX, it took about a month for coinbase to finally provide my account 's transation history which I used to file police report and currently escalated to a fraud detectives ' case and under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I ordered my item about a week later I got an email saying my order was canceled. I got this email saying I would get a refund now Wells Fargo and XXXX XXXX refuses to help 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 explanation