vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Sent documents to CB INDIGO/GFrequesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from CB INDIGO/GF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was trying to use Coinbase exchange to cash out but I didn't convert my ( XXXX ) hex tokens to XXXX before sending it to Coinbase and they will not send it back. Valued on XX/XX/XXXX to be {$3600.00}. Hex is a XXXX token and I sent it to my eth wallet by accident. I read that other exchanges will help the customer get their money back, but Coinbase will not. I reached out to Coinbase and it is support Case # XXXX -titled " sent upsupported XXXX tokens to my ethwallet. '' Coinbase responded " youve transferred any unsupported crypto to your Coinbase account, then there is no way to recover these assets. However, if a previously unsupported XXXX asset becomes available on Coinbase, then itll automatically be credited to your Coinbase account ''.. 


I submitted another ticket Case # XXXX -titled " sent upsupported XXXX tokens to my eth wallet '' and they responded " unsupported cryptocurrency to Coinbase or sent cryptocurrency to a wallet that isnt specifically for that cryptocurrency, we may soon be able to recover your funds. 

We're developing a service to help recover some of these cryptocurrencies, which should roll out later this year. For information about this service, see our help article : https : //help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/unsupported-crypto-recovery Before sending crypto to Coinbase, be sure to check if it's supported by visiting our Supported Cryptocurrencies article XXXX XXXX XXXX XXXX  Thanks, Coinbase Support ''. 

This happens a lot. There is billions of dollar being accidently sent to eth wallets accidentally and the funds get stuck in limbo. Is coinbase reporting these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: WI

Complaint narrative:
I filed 6 disputes with Equifax for hard inquiry removal and they say it's factual within 5 minutes of my filing. They refuse to do any investigating. 

I have contacted all of below companies multiple times that ran inquiries and they are aware I'm filing police reports today about the matter. Equifax tells me to have company remove them ... companies tell me to have Equifax remove them. 

These are the companies who fraudulently ran my credit : -- XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX ( XXXX Inquiries ) -- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX It's not allowing me to put social security number on this form ... last XXXX are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is not updating my credit score. Failing to report, and add or remove relevant information. Credit score hasnt changed in XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC

Complaint narrative:
I saw on my credit report I have an account with XXXX XXXX, that is past due and reported to collection to Jefferson Capital. I don't live in the US. I left the US in XXXX. Since then I have not maintained a residential address in the XXXX. According to the record, the account for cell phone was opened in XXXX. I was not in the US then. Why would I open an US cell phone account, when I was not even living in the country? I haven't paid taxes in the US then, not paid electricity, not had a job in the US then. It could be verified. 
I didn't know about the account until I looked it up on my credit report. I haven't received any notifications in XXXX or since then. 
It is for {$1000.00}. I am not even sure for what period that refers, what usage, on what residential address is this service based? I didn't have a US residential address in XXXX, so on what address is it based? I want a full investigation of the charge, I want to dispute it. Who opened it? 
The past due amount has been reported to two credit bureaus, XXXX and XXXX, and the third one knows about the account too. I tried to contact XXXX, but they say because the account has been transferred to a collector, they don't have more information about it. They can't tell me for what period it is, what is the address of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: SC

Complaint narrative:
It has come to my attention that Penn Credit Corporation is in violation of a cease and desist order which was delivered to them on XX/XX/2022. I have asked this company for VALIDATION of this alleged debt but they continue to send me VERIFICATION which happens to be a bill dated 3 months after the sale of the alleged property. Prior to selling the home, the new purchaser had to put the Gas services in her name to take care of all the inspections on the XXXX family dwelling knows by the address XXXX XXXX XXXX unit XXXX & XXXX. There is no such address as XXXX XXXX XXXX. I now have proof that Penn Credit Corporation is using extortionate means with forethought and malice to collect this alleged debt which is a federal offense with up to a 20 year sentence, a fine or both. Being that XXXX XXXX claim to be the individual handling this account, he is in direct compliance with violation federal law and I will be certain to attach the response to CFPB complaint # XXXX. The documents for the closing on this address will be attached to this complaint as well as the fraudulent XXXX bill which is verification and not validation of the alleged debt. Please pay close attention to the dates on such statements. I am also sending the cease and desist order again so that Penn Credit Corporation can stop violating this order by communicating with me through the credit reporting agencies. I am fully aware of my rights as a consumer and I will be forced to take legal action of Penn Credit Corporation continues to use extortion as a way of forcing me to make a payment on this ILLEGAL alleged debt. My consumer reports are a direct reflection of my reputation as a consumer and I take my reputation seriously. Please carefully read the attached documents so that we do not have to take this any further action. Also attached to this complaint is the final payment due to XXXX which they cashed in the amount of {$250.00}. I advise you to not take this any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
I contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) . 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$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 2022-04-18 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: AL

Complaint narrative:
Please remove account from my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I have received two phone calls in the last month regarding store credit cards being opened in my name. I have not been to either of these stores nor have I opened any additional credit cards. This is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please remove account from my profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
I contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$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 non-monetary relief
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
I contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) . 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

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. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX/XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX  Acct # XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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. 

XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) has violated my rights 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  ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: WI

Complaint narrative:
I have called Transunion 9 times ( for a few months now ) to report fraud through hard inquiries and they refuse to file dispute nor look into matter. 

Today I filed a police report about all of this inquiries. 

-- XX/XX/XXXX XXXX XXXX. 
-- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX, XXXX, XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXX All of companies admitted they have no documents proving I even filed anything with them and they tell me to contact Transunion. Transunion refuses to file anything. I now have a police report about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I placed a XXXX XXXXt for {$590.00} for an XXXX for XXXX by XXXX that could impact my Checking Account at Wells Fargo. A {$31.00} fee was assessed for the XXXX XXXX on XX/XX/2022. 

On XX/XX/2022 - the ACH was received by Wells Fargo and they negligently did not fulfill their obligation to return the item and paid it. 

On XX/XX/2022 I contacted Wells Fargo and informed them of the error and requested that they return the item or refund me, as my XXXX XXXX order was not followed. 

On XX/XX/2022 I received a notification from Wells Fargo that confirms the investigation requested for the stop payment. However, seems that Wells Fargo included a Date Requested of XX/XX/2022 - which do not know if this is the date of the investigation or the date of stop payment, which in the event it is the date that the stop payment was requested, it is NOT accurate. 

On XX/XX/2022 - Wells Fargo sent me a letter indicating that the XXXX is closed and the reason provided is that " We are not able to reimburse you because the rules for these types of payments do not allow us to reverse authorization after the payment has been made ''. 

Wells Fargo showed that they are unable to follow their fiduciary obligations and negligently paid the ACH in error. Now that are claiming not liable, despite XXXX XXXX was places prior to the XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently filed another dispute with Equifax on XX/XX/XXXX regarding an inaccurate account reporting on my credit file. CFPB I desperately need your assistance with this matter as I have been fighting this battle with Equifax for almost 2 years. I have disputed this inaccurate account and they will remove it and then months later put the inaccurate account back on my credit report. The company that was reporting this account has also sent the correct information to Equifax however they continue to report inaccurate information. The account in question is XXXX XXXX XXXX XXXX ACCOUNT # XXXX. This account was included in a XXXX bXXXX XXXX  XXXX in XXXX, that is no longer on my credit file as it has been over 10 years. This account is reporting as a charge off with a balance of {$20000.00}. This information is inaccurate and I demand Equifax remove this account from my credit file immediately. I am tired of filing disputes for them to remove this account and then add it back months later. This is a violation of my consumer rights per the FCRA. This is my last attempt to resolve this matter with Equifax. If this account is not remove I will file for litigation immediately. I have provided Equifax with a letter that I received directly from XXXX XXXX XXXX XXXX stating this account was included in a bankruptcy. CFPB please help me as this matter is causing me a great amount of emotional stress.

Company response to consumer: Closed with explanation