vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX XXXXXX/XX/XXXX XXXX had originally put this account as being late. After disputing with the credit agencies XXXX XX/XX/XXXX XXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXXXX/XX/XXXXXXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of 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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of 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 2021-02-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm. being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: MD

Complaint narrative:
On XX/XX/2021, I found an fraud inquiry on my Equifax Credit report that I never apply for. The inquiry was from Equifax XXXX. It is a fraud and I never apply for anything. I called Equifax to resolve the issues. They added a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello my name is XXXX XXXX And for the pass six months Ive been sending letters to the credit bureaus letting them know that there is in accurate incomplete information on my credit file that they refused to delete. So now I am reaching out to the CFPB in hopes of getting some help with getting these items delete it.

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 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase account was blocked. On XX/XX/XXXX. I received an email from Coinbase that the block had been removed from my account. It never was. On XX/XX/XXXX I was told again by email my identity could not be verified and they wanted a copy of my drivers license, that they already had along with my Passport. I sent no less than 3 copies of my Drivers License it was accepted by the computer and said it was satisfactory. On XX/XX/XXXX I tried to sign into my account, it is still blocked. I sent the required documentation, my Passport, it was accepted yet my account is still blocked. On the same day I filed a customer service request to restore my account I have not received a reply. I tried to call but they do not have a customer service for anything except for accounts that have been compromised. I have been trying to have my account unblocked since XX/XX/XXXX. Two years and four months. This is my case number I received on XX/XX/XXXX Case # XXXX - Account blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TX

Complaint narrative:
TransUnion is reporting on my credit report that I currently owe {$1700.00} dollars to one credit card company and two collection companies. They feel that this warrants a score of just XXXX points. Less than XXXX I allegedly owe and my score is XXXX. I'm going to give you a few examples of situations that contributed to how they determined such a low credit score on my report. 
On XX/XX/XXXX they dropped my score by 44 points because I had a collection account was closed and removed from my report. On XX/XX/XXXX they again decreased my score by 42 points this time for having a balance decrease by XXXX dollars. It didn't increase. The balance decreased and they dropped my score 42 points. On XX/XX/XXXX they dropped my score an additional 26 points when a collection account was added to my report but just ten days earlier I had a different collections account removed from my report and they only increased my credit score by 3 points. So they will drop my score 26 points if an account gets added but only increase my score by 3 points if I am able to have an account in collections removed.

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 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Received unemployment funds and advance from SBA and Bank of America flagged my account for Fraud and immediately closed the account. These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. No funds were ever released to me. I contacted the State and SBA and they both stated that Bank of America had the funds. When I called Bank of America they said that the funds were sent back to these other institutions. So I was basically getting the run around. On today, XX/XX/XXXX I received an email from SBA to complete an application for another advance, as I completed the application I noticed that my information had populated in the application to include the previous advance amount that I never received from Bank of America.

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 2021-02-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA frooze my XXXX prepaid account after i reported a XXXX dollar transaction that i did not make. I tried to call them several times to fix it. I still have not got any of the money back and theyve also kept the XXXX i still had remaining and the next deposit of XXXX that XXXX put on there.

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 2021-02-21 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: IL

Complaint narrative:
I am a victim of identity theft and Transunion has ignored my issues. The law of 15 USC 1681b-Permissble purposes of consumer reports states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I sent Transunion a dispute letter, copy of government issued state identification, copy of social security card, and FTC identity theft report on XX/XX/XXXX demanding deletion of accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( open date XXXX ) XXXX XXXX ( open date XXXX ), and XXXX XXXX ( open date XXXX ). 

Also, the deletion of inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX via 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 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase withdrew money from my account without my authorization and then blocked me from their site. Its been six weeks and Ive tried contacting them literally every day with no response. They have {$38000.00} of my money and Im suffering from XXXX losses daily

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
A company illegally shared my medical information with a third party ( debt collector ) without my consent. They illegally have done it already and I had it removed from my credit report. The first time they did it, they used XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and destroyed my credit report/ and score. 

Now they used STATE COLLECTION SERVICE, account number on one of the credit bureaus XXXX. Both time they are asking for a different amount of money. Highly illegal, strike three. 
They are trying to intimidate me with phone calls and using " Collection Department / Agency / Attorney " on my credit report. Their Contact information is listed below. 

I am in the process of rebuilding my credit and they illegally flagged my account and dropped my credit score 32 points. That's very unfair and highly illegal. I have written letters to the debt collection agency, The Company that hired them ( XXXX XXXX ) to perform an illegal act, and the three major credit bureaus, asking them for collection validation, HIPPA Violation Warning, and disputing their claims ; to which I have received no response. 

Can you help a struggling single father in a time of extreme crisis? 

Thanks for your time. 

STATE COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, WIXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I wrote to XXXX, Equifax, and XXXX requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: NY

Complaint narrative:
On XX/XX/2020, I wrote to XXXX, XXXX, and TransUnion requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of Transunion 's inquiry issue in their server error. I've contacted TransUnion on XX/XX/2020 and they refused to remove my inquiries.

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 2021-02-21 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: MN

Complaint narrative:
The following credit card accounts thats currently listed on my Equifax, XXXX and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: MN

Complaint narrative:
The following credit card accounts thats currently listed on my XXXX, XXXX and Trans Union credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}

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 2021-02-21 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: MN

Complaint narrative:
The following credit card accounts thats currently listed on my XXXX, Experian and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}

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 2021-02-21 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: NY

Complaint narrative:
Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: NY

Complaint narrative:
I have been having an identity theft issue that i have not been able to resolve with XXXX XXXX for quite some time. 

XXXX XXXX has had my file supressed. I have not been able to obtain a copy of my file and have the fraud accounts removed from my file. I was able to have the fraud accounts blocked from my file in XXXX and Equifax but due to the suppression of my file with them and my file being handled by a department that is never able to take my call and due to the corona virus situation it has only made it even more dificult for me to resolve this matter with them even worse. 

Based on my resolution with Equifax and XXXX the fraud accounts are as follows XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: NY

Complaint narrative:
Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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 2021-02-21 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: NY

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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