vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, As of XX/XX/2024 I no longer have access to XXXX ETH and XXXX USDT which are my assets in the Coinbase Wallet. I changed my XXXX taking necessary backup of the phone itself but never understood that the Coinbase Wallet would need a separate back up of 12 seed phrases. I never used them as I created my wallet recently and only had access through the bio-metrics of XXXX. In fact never knew about 12 phrases. Coinbase support told me I no longer have access to my XXXX usd! 
I believe that Coinbase Wallet should compensate me or help access my assets. 
XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

12 XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2024-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
GoodLeap is financing a project completed by XXXX XXXX. I have shared with GoodLeap that XXXX XXXX used deceptive practices to sell a product that can not provide the services that were offered. GoodLeap has opened up a case against XXXX XXXX earlier this month, but since 2022, I have been attempting to get this issue resolved with XXXX XXXX while being held accountable to fulfil my contractual/loan obligations to GoodLeap. The services offered/sold were never provided due to XXXX XXXX XXXX lack of knowledge regarding solar policies in Georgia. I was locked into a contract from a system sold/installed by XXXX XXXX which was to supplement my utility bill, but failed to do so. Once I made XXXX XXXX aware that the system was not fulfilling its obligations, they informed me " towards the end of last year XXXX XXXX and the whole state of Georgia changed the way they buy back solar due to some kind of laws/policy which we have no control over. They use to buy back solar power at a higher rate than they do now. '' Meaning if proper research would have taken place, XXXX XXXX 's sales rep. would have known of a change that took place a year earlier. Evidence of this message is available if needed. Being that the system XXXX XXXX install is not capable of fulfilling its obligations, there is no way I should be obligated to have to fulfil the XXXX loan I am currently responsible for with GoodLeap. I am currently paying for the system that is being financed as well as the utility bill that was not supplemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: FL

Complaint narrative:
We had decided to open the card as we already have financed a car through US Bank. The rep I spoke with on the phone was very nice but very salesy and vague. She said everything I wanted to hear. After several weeks we did not receive the card yet and was told balance transfers can take weeks if not months. Months?! We live during a time I can buy stocks through my phone what do you mean? 

The card had to be cancelled and resent. The woman I spoke to agreed that the sales/closer team does talk a big talk to close the deal especially on clients they know have a high income like myself. I dont appreciate being swindled. 

I was doing the balance transfer with US bank because of an attractive offer and no other reason. We are now eating into months of the offer which means its really 4 months not 6 until I am hit with a penalty.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Under 15 USC 1666Bthis is a billing error always paid as agree on time this is an error this account in violation Please correct this inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
Submitted Income based payment ( SAVE ) application on XX/XX/XXXX and it is still processing. Called on XX/XX/XXXX as I was notified that payments would begin XXXX despite save plan not being processed. I was put on forbearance on XX/XX/XXXX and told my application would be reviewed and approved as I met all criteria. XX/XX/XXXX was notified that forbearance was ending on XX/XX/XXXX and payment of {$220.00} be due. I called and was told my application was expedited with a reply being recieved in XXXX business days. Received an email XX/XX/XXXX entitled Corresponding Process Delay. When I called to voice my frustration on XX/XX/XXXX, I was hung up on. 


XXXX months is an absolute ridiculous amount of time to wait for my SAVE application to be approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANG. INC / ACCT. XXXX XXXXXXXX AMOUNT {$1700.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX MIDLAND CREDIT MANG. INC / ACCT. XXXX XXXX. AMOUNT {$4900.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX The company has proceeded to collections along court filings. 

I plan to submit a dispute letter to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc.
State: SC

Complaint narrative:
Ive recently checked my crediting report and noticed inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am submitting a complaint to request that you will take immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE SEE THE DOCUMENTS BELOW. PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED WITHIN XXXX  DAYS. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS HAVE BEEN DELETED FROM MY XXXX AND XXXX CREDIT REPORT PLEASE FOLLOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
on XX/XX/XXXX Kia Finance America repossessed my vehicle due to nonpayment, but they never sent statements in the mail as requested. Also, the online portal was down all the way up to XX/XX/XXXX and when i did get access, the statements did not appear in my online portal until the day of repossession, XX/XX/XXXX. There was no calls or letter sent to me about the past due amount while their system was down. I was never given the opportunity to pay the past due amount. They repossessed it and I got the only statement pertaining to the past due amount in the mail today, XX/XX/XXXX. Also, I believe they are retaliating against me because I sent a letter asking them about a Lien that was on the vehicle prior to me purchasing it. I never received a response. They seem to never have a record of any mail I've sent. This was a Brand-new vehicle and I found out that KFA operating under Hyundai Finance America never financed a loan with me but they in fact transferred a debt that belonged to Hyundai XXXX  Funding, LLC and I was to be paying back that debt. They used a false and misleading contract. I was not aware that I would be paying off a debt already attached to a brand-vehicle. I have asked for documents, other than a bill of sale, showing where KFA paid for the vehicle such as a copy of a check or provide the UCC financial statements where I am listed as the debtor to justify the current lien on the vehicle. I am claiming Bona Fide Purchaser Rights. The past due amount has been paid.

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