vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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:
I receive a response in the mail from Equifax which stated that they had verify inaccurate accounts on my consumer report. I would like to state that Equifax has violated my rights as a protected consumer. Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because I never gave Equifax any consent to report these inaccurate accounts. Equifax has also violated 15 USC 1681b ( 2 ) which states that I the consumer have to give Equifax written consent to furnish anything on my consumer report. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 USC 1681a ( e ) Equifax is suppose to personal interviews with my neighbors, friends, or associates of me. They are suppose to also not report factual information on a consumer report from a creditor. Equifax 's has not interview anyone who personally knows me which make this a violation because they have to interview these people to know my personal reputation. When Equifax reports payment information from a creditor this is personal information which is also a violation. Equifax is also in violation of 15 USC 1681a ( 2 ) ( B ) which states that what should be excluded from a consumer report " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' Under 15 USC 1681 a credit card is define as the same thing under section 1602 ( I ) which states that " The term credit card means any card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I would like to state my social security card is my credit card which is also the credit card I used to begin every consumer transactions which I have listed in the attachments. Equifax has also violated 15 USC 1681 ( a ) ( 1 ) which states the banking system depends on accurate and fair credit reporting because inaccurate credit reports will directly impair the efficiency of the banking system and will undermine mine the public confidence which is needed so that the banking system can function. Equifax has being reporting inaccurate balance for accounts that I have label in the attachments. While Equifax continues to report these accounts they have cause injuries to me which consist of denial of credit, loss of income, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: CA

Complaint narrative:
I have an account with XXXX XXXX  via XXXX and it has been set up on auto pay since I opened it. I was unable to upload the supporting documents when filing a dispute with expierian. I obtained the documents from my user portal on XXXX XXXX website that shows the last payment recieved on XX/XX/XXXX. And next payment due XX/XX/XXXX. Experience closed the dispute within hours of me filing with no change to my report likely because their website would not allow me to attach the documents.

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 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX*Balance {$1300.00} XXXX Balance {$11000.00} XXXXXXXX***Balance 0 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called XXXX XXXX ( XXXX ) that I purchased 600 dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at .01 USD I SOLD XXXX XXXX because I thought I was going to reciever 1 cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made 1 min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of XXXX, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions 1 min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a XXXX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of 1 cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
1. Agent with Klarna Customer Service Lovepreet intentionally repeatedly called me ma'am, despite already knowing that I am male and that my name is XXXX XXXX XXXX. She apologized and then continued calling me ma'am. I asked her to apologize a second time, and she said " I'm sorry ma'am. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Call this company, we agreed on my paying {$400.00} to settle the debt. The representative refuse to provide documentation that stated he/she would remove all negative reporting. 

He felt that because our conversation was being recorded that this was sufficient, but we know business is business, if its not in writing it did not happen. 

I have been ready to satisfy this debt, what's the point of paying if they refuse to remove all negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

ALLY FINANCIAL 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 2021-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I'm wondering if this is a legal practice. The company Coinbase has a debit card that they say they issue rewards for your purchases. This is not entirely true. I have multiple purchases from weeks ago that I have not been issued the rewards. I've contacted Coinbase several times and never get anything other than the standard auto response saying it takes up to 5 days and if it takes longer to contact them, but when you do they send you the same response. Recently they've stopped sending the auto response to me which I'm not happy about. It's obvious they could care less about scamming their customers. Can a company say they will give you rewards for using their product but they don't have to? It's very frustrating. I've reached out on twitter as well since they obviously have zero concern from their so called customer service department ; no response. I have no doubt I'm not the only person experiencing these issues but there's no place im aware of to be able to speak on or address the subject. If they would at the least say they're aware of the issue I'd have some kind of peace of mind but they think ignoring their customers and giving them no guidance or feedback with their auto response system is ethically okay. I have no clue who to turn to. Please help if you can. Thank you for your time and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

JPMCB XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Grant & Weber
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX. Grant & Weber inc has incorrect information and is affecting my credit! They have a different name on the account

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

GLOBAL LENDING SERVICE XX/XX/2021 GLOBALLEND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX Florida to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I did not give this company permission to view my consumer report. 

XXXX 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 2021-11-26 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: 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14.00}

Company response to consumer: Closed with explanation