vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase restricted my account for more than 2 months, they told me to upload my driver 's License pictures and to verify if my address is correct. I did all of that, but when I call or text them, sometimes the support service tells me that they are on it, or they are too busy now, or to wait 24 hours, 48 hours. I can't buy, sell, or cash out and transfer my money. I need to have access to my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by TRANSUNION. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX PL, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with XXXX XXXX XXXX Section XXXX, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have not received the tax documentation for our 2023 tax filing. 
Truist has disabled the online account, so that I am unable to get the document. 
They are refusing to re-establish access to the account so that I can access the document for our current tax year filing. 
They claim to have mailed it, and present the only option available to me is to mail it again. 
I want to get our documents more timely than that to our accountant. 
It seems unreasonable to disable online access to the documents for this loan within a time frame that includes correct filing of current year taxes.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a purchase at my local Apple Store ( XXXX branch ) for a laptop computer. I was given the choice of either paying the full amount upfront ( {$850.00} ) or spread it out and XXXX monthly installments. I chose monthly installments. It wasn't until later in the week that I realized i was charged the full amount of {$850.00} upfront, as well as monthly installments. I contacted the Apple Store both my telephone and in-person, to which they could not tell me what had happened or why it had happened. They then told me there was nothing they could do about it, as it was " not in their system '' and suggested I contact the credit card company directly ( Goldman Sachs/Apple Card ) . I did this, and they helped me open a dispute. I was given a temporary credit of the amount and they told me it would be further investigated. On the morning of XX/XX/XXXX, I was notified by the credit card company that they were ruling in favor of the merchant because " The evidence received confirms that you were provided additional services along with your original purchase. For example, room service or paid parking as part of the hotel stay. '' I again contacted the credit card company and requested to see this evidence, and was told that it was a different department that handled the evidence and they could not help me. Not only was I charged twice for this laptop computer, but I ended up returning it for a full refund within the allotted return window. Of course, I only received the refund for the monthly installments, and not the other double charge of {$850.00}. Another issue is when filing the dispute, the credit card company requests evidence. I do not know what I can offer as evidence as I was charged for something I did not receive, and therefore have no receipt. Communication with the merchant can only be by phone or in-person, so I do not have any documentation regarding out correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: FL

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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year> XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX, I attempted to open up a business bank account with XXXX XXXX XXXX XXXX located in XXXX, GA zip code XXXX. Upon trying to open up my account with this credit union, I was informed that I could not open up my account due to a fraud matter showing on my credit or consumer report. The following information that is inaccurate on my reports/files is as follows : Contributor : BANK OF AMERICA XXXX XXXX XXXX : XXXX Name : SSN/Tax ID # : SSN/Tax ID # : Address : ID # : ID Type : Other Date of Birth : Bank Routing # : XXXX Account # : XXXX Account Type : Unknown Incident Date : XX/XX/2018 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud The person ( s ) who attempted to open up this account or open this account submitted the wrong DOB. They had my parent 's address and all my other personal information. However, the DOB provided is not my DOB.

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 2024-02-26 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: Phoenix Financial Services LLC
State: WV

Complaint narrative:
Accunt name : Phoenix Financial Services Account number : XXXX It Appears That This Item On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099 Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship I Would Greatly Appreciate It I'Ve Gone Through A Serious Financial Hardship And This Would Help Me With My Credit In The Future Thank You So Much They also refused to provide validity and accuracy of their purported debts. 

I believe my rights under the Consumer Financial Protection act has been broken by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Well I was trying to save money in my chime account but I was switching from XXXX  to XXXX so I didn't have access to my account online and I finally got my XXXX got it set up you got to plugged in and it says that there is a bunch of transactions from XXXX XXXX. I don't have a XXXX XXXX I not allowed to have one I didn't make any of the transactions at all and I tried disputing the charges and they said that that the charges were not of error and they closed the disputes no questions asked may I mention that the transactions were definitely not small charges at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
EQUIFAX HAS VIOLATED SEVERAL OF CONSUMERS FEDERALLY PROTECTED RIGHTS. INCLUDING THE REPORTING OF INQUIRIES, ACCOUNTS AND COLLECTIONS WITHOUT CONSENT, WRITTEN PERMISSION AND PERMISSABLE PURPOSE. EQUIFAX HAS ALSO VIOLATED CONSUMER 'S RIGHT TO PLACE SECURITY, FRAUD ALERT AND XXXX XXXX ALERT XXXX MYEQUIFAX.COM. VERIFICATION OF IDENTITY HAS BEEN SENT SEVERAL TIMES AND EQUIFAX IS NOT ACKNOWLEDGING CONSUMERS REQUEST TO DISPUTE INACCURATE AND IMPERMISSABLE INFORMATION. TOTAL LIST OF THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX CLOSED ACCOUNT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ALSO THE AGE OF THE SATISFACTORY ACCOUNTS ARE INCORRECT THE ACCOUNTS ARE SAID TO BE OPENED IN XXXX AND XXXX BUT ARE REPORTING AS ONLY A FEW MONTHS OLD, THIS DECEPTIVE AND INACCURATE. 
REGULAR INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMPLETE LIST OF 150 SOFT INQUIRIES STARTING XX/XX/XXXX TO XX/XX/XXXX Consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of Identity theft. I have been a victim since XXXXXXXX XXXX The person has been using my name. I am calling them letting them know that I didn't apply for the credit card account multiple times and nothing was done. I've tried disputing it with all three credit bureau 's. Without letting me know any updates they did nothing. In addition to that XXXX XXXX XXXX  is sending mail to addresses I have never been associated with in my life regarding the fraud investigation. An address that was used to fraudulently open accounts and credit cards in my name. I spoke to XXXX ID # XXXX. I also spoke to XXXX ID # XXXX they were no help to me at all. They not only disclosed my information to strangers, but they also spoke to credit bureau 's and other third parties about my information whom i did not authorized to disclose to XXXX XXXX. Can you please help me out I am in debt due to a third party using my name, and XXXX XXXX XXXX  failing to properly verify things.

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 2024-02-26 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I recently noticed a hard inquiry on my credit report from Transunion, XXXX and XXXX. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital System- I do not know these people nor have I received any response to my letter, they are calling and harassing me, and I have no clue how you are! 

You state that I owe XXXX on my credit report. I have been with XXXX for years! I do not owe XXXX ANYTHING! IF SO HOW COULD I BE AN ACTIVE CUSTOMER? They have no proof, contract NOTHING! 

In addition, they lied and said the account was opened back in XXXX! That is fraud because I have NO business with this company. 
I want this off my credit or I will reach out to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-26 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: TX

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy federal withdrew money from my account to apply to a credit card debt that was close and charged as a right off this account been closed for over a year they refuse to return my money they credited me {$200.00} back but theyre still {$1500.00} more that was for my rent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation