vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: DE

Complaint narrative:
Trans Union LLC has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as trans union requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law XXXX XXXX XXXX -late updated AUTO PAY NEVER BEEN LATE XXXX ) XXXX XXXX XXXX UNKNOWN ACCT In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW

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 2022-09-30 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: TX

Complaint narrative:
These inquires do not belong to me and I do not recognize them please delete them. I do have accounts however the inquires from them below are not mine and since I do have some accounts with them XXXXXXXX XXXX refuses to remove them. 
XXXX XXXX XXXX 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 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 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account at Coinbase and on XX/XX/XXXX I changed my password and I received a notification from Coinbase to that effect but on the XXXX I received another email saying that my password was changed so I called but it was taking a long time to get to talk to someone but the automated voice asked if I tried to get in the account and I tried but was not able to using the new password and the automated system asked if I locked the account so I did. When I was able to get someone on the phone I was told that I would need a valid ID and since my driver 's license was expired in XXXX I renewed it on the XXXX of XXXX and they said that they would not accept the temporary copy so I waited until I got the actual license then I called them and we tried many options trying to get in the account and after they all failed the person suggested that I open a new account and they would transfer my balance from the old account to the new account. When they transferred the balance I noticed that my XXXX XXXX or XXXX Average price was changed from {$0.00} to {$0.00} and my Alchemy or ACH was changed from {$0.00} to {$0.00} and on my app there's no Average price listed they all say {$0.00}. I have tried way too many times to try since late XXXX on the telephone and online and I have not been able to get any help and I have sent them a screenshot of the XXXX XXXX with the exact amount showing that it was at {$0.00} on XX/XX/XXXX days before the problem 's started and they act like that's not enough or they're asking for more information. I also submitted two screenshots for the Alchemy or ACH because I bought some on the XXXX of XXXX to move from {$100.00} XXXX to {$120.00} XXXX and since it was a smaller amount the Average price didn't change that much and since I only have XXXX coins in my account I know what their prices are and I saw it after I bought the roughly {$24000.00} and the Average price was {$0.00}. I would appreciate any help in fixing the mistake. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was banking with regions and my account was overdrawn and even after paying back overdraft I was still charged excessive fees, I called to learn more info about the fees and why they just stated I used money that wasnt there and it was and was stil charged multiple nsf fees.. my account has been closed and sent to creditor

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 2022-09-30 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: Denefits LLC
State: FL

Complaint narrative:
XXXX is killing me. I have been trying to work on my credit to purchase a home and XXXX keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Nelson Cruz & Associates LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as XXXX XXXX requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law 1 ) XXXX  -late updated AUTO PAY NEVER BEEN LATE 2 ) NELSON CRUZ -DELETED UNKNOWN ACCT In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have a discover balance on my credit report which was resulted from a judgment that they got against me and the judgment then garnished my paycheck and they have now been paid 100 % out of the garnishment from the judgment. As far as I understand it not only does this change the status on my credit report because they have been paid in full but also I have read that judgments are not supposed to be on your credit report once they get a judgment against you? I can show you a copy of the judgment that they have against me and I can show you my pay stubs to show you that they have been paid off 100 % .. it is discover credit card and the balance was around {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: MS

Complaint narrative:
XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
XXXX. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to XXXX and Equifax. 
XXXX. I have requested the following from Equifax and XXXX and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
Equifax is killing me. I have been trying to work on my credit to purchase a home and Equifax keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
My loan was sold from loan depot to Mr. cooper in spring of last year. Somehow my escrow account billed monthly increased dramatically as soon as Mr. Cooper started billimg my in the newly purchased loan. I have called in several times requesting an escow account balance sheet to find out why my monthly payments has went from XXXX a month to XXXX a month. Taxes and insurnace have not increased in the amount my escrow balance has. I have multiple emails and recorded phone calls trying to get answers. I have voluntarily delayed my payments to the bank until i have some clarification on what is being billed. I cant get anyone within the company to get back with me and dont have time to spin wheels to figure out what the mistakes are on THEIR end. I have now paid this absurd increase for 5 months straight and I am drawing the line until i get answers. Outside of hiring a lawyer and suing this new mortgage company, I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX have 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 an 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 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 2022-09-30 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX 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 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XX/XX/XXXX, I received a letter stating that this company was REQUIRED by law to inform me that effecteive XX/XX/XXXX ( the date of the letter ) that the statute of limitations to sue me for the debt listed within the letter HAD EXPIRED and that ANYONE who attempted to sue me or made attempts to further collect on the debt, that I AM REQUIRED to INFORM them that the statute of limitations has expired preventing them from obtaining a judgement. Furthermore, I was also informed that SHOULD I make ANY payment, this company would then be able to sue/collect the total amount of the debt within. 

As I have now been armed with that letter and information, TRANSWORLD SYSTEMS INC. PROCEEDED to call me, harass me and THREATEN me with suspension of my license AND registration for the outstanding debt of toll fees & OBNOXIOUS fines on # 1 a car I NO LONGER own because it was totaled and # 2 on plates that I ALREADY turned in AND replaced due to my old car being totaled. Whether I owe is no longer the question, but the tactics of harassment and threats I received as a result for SEVERAL MONTHS THEREAFTER has caused TREMENDOUS XXXX, stress, distress, and turmoil. The calls began XXXX XXXX and CONTINUED until around XX/XX/XXXX when I explained that # 1 I was still hurt from my accident and unable to pay ( even if I wanted to ) and # 2 I REMINDED them on at least FIVE occasions that THEIR OWN COMPANY sent me this letter informing of the expiration of the statute for them sue/attempt to collect and basically to not even pay one red cent as to avoid being on the hook for their ENTIRE amount. Also, the amount quoted to me was SIGNIFICANTLY higher than what was actually listed in the document/letter sent to me. The supervisor I spoke with then proceeded to tell me that upon my refusal to pay, IGNORING the fact that apparently it was THEIR legal team who informed me of my rights to not pay, THREATENED to have my license and registration suspended. To date, XXXX XXXXXXXXXXXX XXXX XXXX  still has this listed under my name WITH THE OLD PLATE INFORMATION BUT with the more recent dates falsified because I DID NOT TRAVEL to areas listed on those dates and I HAVE VERIFICATION proving that I DID NOT.

Company response to consumer: Closed with explanation