vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX 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 inquiries reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) these accounts are in violation

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 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
My name is XXXX XXXX. I need your help with my coinbase account. Coinbase froze my account and refused to unfreeze it. I filed a complaint with their office over a month and half ago however, today they sent me an email advising me that the case has been closed. After I checked my account I found out that the freeze is still there and Im still not able to use my account. At this point, I dont really care to have this account. All I want is my money that I invested back. I invested over {$1000.00} on this account and I want that back. 
Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on GOLDEN 1 CREDIT UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

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 2021-11-24 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 TransUnion 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 inquiries reporting on my Credit Report : XXXX XXXX - Inquiry : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX MORTGAGE XXXX - Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX - XXXX : XX/XX/XXXX ; XXXX XXXX  - Inquiry 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 explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MT

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. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : XXXX PUBLIC UTILITIES ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SVC ( Original Creditor XXXX XXXX XXXX ) XXXX CREDIT SVC ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have previously disputed this item with Experian ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXX  court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXX Balance {$0.00}

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 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported. 

I called the office of A-L Financial in XXXX XXXX  and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me. 
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company. 
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself. 
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information. 

This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself. 
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies. 

Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX of XXXX I paid off all of my credit card debt - some of which were settlements for less than the actual balance that was due. Regardless, they were all completely paid off to a zero balance. 
My husband and I are currently applying for an auto loan. According to our credit union ( XXXX XXXX ) and the credit report that THEY run ( which they claim is Experian ), one of my credit cards is still showing delinquent. It says Charge off delinquent. This is with XXXX card. Others on my report say settled, or something to that manner. 
I have contacted the XXXX company. I have gotten all XXXX of my reports. I showed them my Experian report ( and the dispute I filed with them ). Nowhere on any of the reports that I am seeing is it showing what their report is pulling. They are unwilling to accept any of the reports or proof that I can provide. I can not figure out though, how they are pulling the info that they are. 
They suggested that I contacXXXX XXXX which I did. I called and was sent through a continuous loop of automated prompts. I also went to their website, but can't find a way to actually file a claim or concern. I am to the point where I don't know where to turn for help. I do have copies that our credit union gave me to verify what they are seeing on their end. 

Attached is a copy ( XXXX pages ) of what the credit union gave to me. The blue highlighted areas are the concern they have with what they see. The XXXX page from them just shows contact info they suggested. The XXXX picture is of the screenshot from Experian showing that the account is paid in full.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have contacted Wells Fargo on numerous occasions regarding this alleged debt. I have addressed them about the billing error on this account. On XX/XX/XXXX Wells Fargo illegally repossed my vehicle. According to 15 U.S. Code 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which Wells Fargo did as well as they willingly damaged and seized my property. 
Fact, I, am aware that Wells Fargo the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by Wells Fargo will forfeit its rights to collect the disputed amount as described in 15 us code 1666 ( e ) and hold the creditor liable under 15 us code 1693m for the actual damage, caused to I the affiant as well as held to criminal liability pursuant to 15 US code 1693n failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error XXXX XX/XX/XXXX Wells Fargo was sent an affidavit of Cease and desist, which no representative has responded to, instead on XX/XX/XXXX I was sent a letter of Wells fargo threatening to Repossess my vehicle once again which is a direct violation of the congress law pursuant to 15 U.S code 1692. The fact that Wells Fargo states i owe anything is misleading. Pursuant to 18 US code 8 obligation is that of the US.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express, XXXX XXXX card, received temporary card digitally with a XXXX credit limit on last Tuesday. I tried to use it at a XXXX XXXX on the following Saturday and it was declined, I called and the lady I spoke with said the temporary card doesn't cover every purchase. I said ( paraphrasing ), " I'm not aloud to use what this card is designed for? It's sole purpose is for hotel points and I can't use it at your hotel? '' It seems predatory to just get you in the door but deny you points. That stay was a little under XXXX USD, and the promo is spend {$1000.00} in the first XXXX  months and you get a reward. I then tried to buy parts for my vehicle a little over XXXX USD and it was declined as well, I didn't call them this time because it's obvious who they are. I wrote a review through their customer satisfaction survey and wrote something similar to what was said here. If the temporary card can't be used, why lie? The credit reports is something they're leveraging so we won't cancel. Thanks for reading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion Credit Bureau did not comply 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 inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Date 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 explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please see complaint XXXX After numerous attempts to have my monies returned, no communication from Chase, and no action, I disputed the charges with my bank and the monies were returned. I have now received a notice from Chase that I owe them the money that they unlawfully took from my checking account, without my permission, on an account in good standing with a XXXX balance. I contacted Chase on XX/XX/2021 at XXXX EST to report the issue once more and to explain the activity. After XXXX XXXX minutes on the telephone with XXXX different people, I was told that an administrative complaint was now processed and that someone would get back to me. Whether this is a truth in lending violation or just really irresponsible service, this is horrible and I am seeking some assistance please. Someone needs to hold this company responsible and a consideration of penalties should be exercised to the most restrictive extent. Chase should be embarrassed by such poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
XXXX XXXX XXXX was seized in XXXX. They had no right to seize my property pursuant to Title 15 USC 1692e ( 4 ). Not only did they seize my property but constantly tried to make me make payments which is false and misleading pursuant to Title 15 USC 1692e ( 6 ) ( A ). They invaded my privacy pursuant to Title 15 USC 1692 ( a ). They seized my property for a debt that was already paid when i extended my credit to the bank. They are stating they are the original creditor when pursuant to Title 12, section XXXX, XXXX XXXXbanks can not loan credit, only money. Pursuant to Title 15 USC 1692 ( a ) ( 4 ) the original creditor is the one who extends credit and I extended the credit via my credit card ( SSN ). They created a false form violating Title15 USC 1692 ( a ), stating they were giving me an loan and I was a borrower, when there is no such thing as a loan in Title 15 TILA or FDCPCA. They also sold my location information and other information to a third party debt collector which is against Title 15 USC  1692c ( b ). They did not have my permission and they may not communicate with any other person other then the consumer. USAA also ruined my reputation and violated my rights by giving my information to consumer reporting agencies without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief