vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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:
Per XXXX XXXX XXXX XXXX XXXX  credit score, XXXX dropped my credit score XXXX points. This was significantly much lower than Experian which decreased my score by XXXX points. I want to have clarity as to why XXXX score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history. 
I have been penalized by XXXX  throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue. 
At this point, I feel its discriminatory and would like a thorough investigation of XXXX practices and rating of my credit history. 
Thank you for your prompt attention to this request.

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 2022-12-29 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:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-12-29 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:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: VA

Complaint narrative:
I frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.

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 2022-12-29 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misattribution : addresses should not be associated with 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 2022-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misattribution : addresses should not be associated with 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 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I received a NOTICE OF ACCOUNT CLOSURE on my coinbase account on XX/XX/XXXX this year and can't use my account. I already made multiple support tickets asking them the reasoning behind why my account got closed but they refuse to give me an answer. I've been using their services for 4 years and felt like how they have been so unfair to me as a consumer. It has affected me negatively and also has affected my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a message from an in-law family member of mine that she had received a call on her house phone regarding my past due credit card information. The representatives name was XXXX XXXX from Bank of America. My in law has never dealt with or received any known information regarding my account information and I have never added their contact information to any of my accounts. I was also told that the bank was unsure how my spouses family members contact information was added to the account. It was told to me that I could not file a complaint, rather that they would make a note of this for the future. The mystery of how the in-laws number appeared on my credit card account is alarming and I believe to be negligence and a violation of privacy on the part of the bank.

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 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: NY

Complaint narrative:
XXXX lease reported XX/XX/2022 of which I have no knowledge ... ..personal information has been compromised in the past,,, recurrent/ongoing ID theft previously reported to FTC & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XX/XX/2022, I made a balance transfer. I requested that Citibank send funds to XXXX aka XXXX XXXX XXXX has since changed to XXXX ). The amount of the transfer was {$4100.00}. According to Citibank, the funds were sent to XXXX on XX/XX/2022, but have not been applied to my account. I have spent countless hours on the phone with both Citibank and XXXX trying to find a solution, but I am still making payments on both accounts. After filing a complaint against XXXX, a representative from their corporate office has reached out and asked for more information from Citibank. Citibank sent a letter giving a XXXX digit trace number for the funds, but the appropriate trace number needed would have XXXX digits. On XXXX different occasions I have asked Citibank for the account and routing numbers used when the funds were transferred ( this would help XXXX find the missing funds ), but neither Citibank supervisor would provide this this information. Another solution XXXX suggested was for XXXX to pull back those funds into their account. Neither supervisor at Citibank knew anything about this. I am a XXXX individual with a fixed income, so needless to say making two payments is really putting extra stress on my finances.

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 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
Two weeks ago I received a notification/alert from XXXX XXXX Identity Theft Protection that an account in the amount of XXXX had been opened in my name. I had not opened one so I called them. They verified that an account had been opened by XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX, MA phone number XXXX XXXX XXXX. 

I had no idea what this was about so I called them and they said I owed XXXX. They told me it was due to XXXX XXXX and that it was for my address in XXXX. I said I don't live in XXXX and they told me the address in XXXX. That was my son 's former apartment. He has not lived there in more than XXXX XXXX, but sublet the apartment up until XXXX XXXX XXXX. Apparently the bill was for the final gas bill. When he got the apartment, XXXX XXXX wanted to use my name as he had little credit history. ( I have not seen the bill, so I can only assume that the bill and amount are both correct and that I owed this amount. ) I told XXXX I never received the bill. They told me several copies of the bill had been sent and I asked where ; the bills had been sent to that XXXX address. I explained that no one was at the apartment who could have received it. I told them that I wanted to see the bill ( have not received it yet ), but to resolve this quickly because it went on my credit report, I paid it. 

It is quite disturbing that they would report me to the credit bureaus without trying to contact me at my correct address or call me about it. I learned from XXXX today that my score dropped XXXX points on account of this, as it falls into the very negative category of collections. I was about to apply for a personal loan and this impacts me financially quite severely. I checked with the two other credit bureaus and found similar effects. I have filed disputes with each of the agencies. 

This is unacceptable, predatory behavior and would ask that you investigate XXXX and reprimand them or censure them, or take other appropriate legal action. I am an XXXX ( I do not do consumer finance ), so I will have to see if this will have lasting impact. If this account remains on my credit report, I will strongly consider filing a suit agains XXXX. There is no way a credit report filing should follow on a debt that is not that old and when no one used due diligence to locate me and send me the bill at my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-29 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: Synovus Bank
State: IN

Complaint narrative:
My first progress is checked daily to make sure I continue building my credit and don't miss payments. I didn't owe for the month of XXXX and I now owe XXXX which is accurate for XXXX as a due date but my score dropped XXXX points and I haven't missed any payments. I don't believe this is fair this has happened to me before with first progress and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$670.00} Balance updated XX/XX/2022 the collection has been reported as past due balance. 
I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. 
XXXX XXXX XXXX XXXX keeps harassing me, calling me daily, there are no late payments, nor reported amounts have reported to the 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
Consumer complaint received 2022-12-29 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: GA

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. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America recently put an unlawful fraud alert 10 day hold on a XXXX  deposit that I was going to use to pay my credit card with them. During the time the XXXX was on hold another payment came due, the administered another late charge of XXXX  to my account. Ultimately, after I filed two complaints with the CFPB and BOA Executive Office told abject lies to me such as the paper check is usually fraud 99 % of the time I can get a hold released but not this one weve attempted to check with the XXXX XXXX XXXX XXXX and can not confirm this draft all of which were completely inaccurate, they released the hold yesterday afternoon. Today I received two collections calls from BOA Credit card and XXXX XXXX refused to waive even one late fee to help me get it caught up. I offered to pay the entire balance due if late charges could be waived. Considering the damage done to my life during XXXX and doing without food due to their ridiculous fraud alerts and false accusations of fraud I feel thats the least they could do.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I discovered that American Express had illegitimately charged a late fee of XXXX} on XX/XX/2022 - there was no notification of payment due or that a payment had not been scheduled. I promptly zeroed out the balance and spoke with American Express customer support, during which the Amex representative recognized the error of their ways and removed the late fee. Today, on XX/XX/2022, I discovered that American Express has also charged illegitimate interest, in the amount of XXXX caused by the aforementioned malfeasance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
My account was transferred from XXXX to MOHELA. MOHELA does not have my account information accurately accounted for. Additionally, I have to tell them the same thing multiple times, and it still has not been changed. The chat ( for help/support ) feature has never worked or been unavailable every time I have tried to use it. 

The confirmation message when submitting a message through my account says that I should get a reply within 3 business days. However, it has taken approximately 3-4 weeks to receive a response, and their responses have yet to resolve any of the issues I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of XXXX Balance updated XX/XX/2022 the collection has been reported as past due balance. 
I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. 
XXXX XXXX XXXX XXXX keeps harassing me, calling me daily, there are no late payments, nor reported amounts have reported to the 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
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRANSCARD, LLC
State: TX

Complaint narrative:
On approximately XX/XX/22 I entered my banking information on an online portal for reimbursement of XXXX XXXX XXXX XXXX XXXX XXXX  The reimbursement institution is XXXX. I made an error on the account number, transposing XXXX numbers. The transaction was authorized and apparently processed into the wrong account at my bank XXXX XXXX ( Texas ). At that time, I began petitioning XXXX to reverse the transaction and correct it, which they have agreed to do and have given me timelines for which I should see the money redeposited into the correct account. After over a month of pursuing this and not seeing the correction, I learned there was a third party, Transcard, in charge of the actual transaction of over {$3000.00}. I began the same process with Transcard, and again, was assured that the correction would occur and given timelines for checking to see if the correction was made. As of today, the correction has not been made, I have been unable to speak to supervisors at either institution and no longer have any trust that they are working on the issue. I did contact my bank and found that they could not provide me info due to protection laws for the other customer, but they did draft a letter, asking XXXX and Transcard to simply recall the funds so that the correction could be made. 
The failure to respond to my request or to simply answer questions so that I could know XXXX XXXX to take is blatant. There is a definite pattern of not responding, or providing inaccurate information that appears to show negligence in correcting the error. I have made numerous calls to both entities and although they promise to call me back, that has most often not been the case. I can supply emails, notes and XXXX bank 's documentation to show my efforts, along with a log of calls I have made. Please note that the documents I am attaching are not exhautive, but a few of the interactions. I have further documents if needed.

Company response to consumer: Closed with explanation