vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance - 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 Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am in receipt of your communication dated XX/XX/XXXX. 
Your letter states that my account was 30 days late for the months of XXXX, XXXX, and XXXX. 
Please be advised that on my XXXX credit report PenFed reported a 30 day late for XX/XX/XXXX as well. 
Please be advised that on my XXXX report, PenFed reported a 30 day late for XX/XX/XXXX as well. 
Please be advised that on my XXXX report, PenFed reported 30 day lates for XX/XX/XXXX and XX/XX/XXXX as well. 
This does not line up with your recent correspondence. Your letter to me is attached to this complaint. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc.
State: MO

Complaint narrative:
I have been contacted by Recovery Management Services on the dates of XXXX, and XXXX. I made it known during the first phone call on XXXX that they are not to call me, and that I can not take calls as I work from XXXX to XXXX, however, the same individual proceeded to contact me again on XXXX. Once again, I informed the individual, from Recovery Management Services, that I had told them before not to call me, and that I did not appreciate them harassing me, which resulted in the individual proceeding to threaten that things would only get worse if I didn't pay, and that they were going to have to proceed to the next step of debt collection, further harassing me despite me telling them at the beginning of the phone call not to contact me and that I was working. I proceeded to get harassed by this individual for the duration of the phone call about how bad things would happen if I didn't pay, and that I would have to pay eventually. The individual calling from Recovery Management Services also has not provided me the exact amount I owe, although stating via phone call that I owe excess of {$8000.00}, despite the amount owed to the original creditor being around {$7200.00}.

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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MN

Complaint narrative:
I started to receive debt collection mail communications dated from MRS Associates XXXX XXXX XXXX XXXX XXXX NJ XXXX for a credit card debt they say I owe. Through their website on or around XX/XX/22 I completed their online form to request a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and asked that they stop contacting me and collecting on this debt until they prove that this debt is mine as is also within my rights. I received no response from MRS until I received a letter dated XX/XX/22 which again attempted to collect on this debt. I once again went to their website and completed their form the same day I received the letter again requesting a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and again asked that they stop contacting me via all methods of communication until this is provided or I will be filing a complaint and that further violations can result in penalties up to $ XXXXcontact under the law. Today I received yet another letter attempting to collect on the debt dated XX/XX/22 and still have not received the Debt Validation Letter or any validation of the debt. I would appreciate any help you can provide as this collection agency is clearly not willing to follow the law as it is written.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: LA

Complaint narrative:
I have a Discover Card collections on my credit report that is not mine. I want it removed. It is affecting my credit score and causing me to have high interest and keeping me from purchasing a house. Please advise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
When downloading my first report ( Experian ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to Experian in order to save, not print, my reports. Great! free sign up BUT only for Experian, not XXXX or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX XXXXXXXX Balance {$130.00} XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiry or have TransUnion get back to me with regards to the issue. Here are the items and inquiry that concern me : XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2021 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 2022-03-09 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: TX

Complaint narrative:
For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?

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 2022-03-09 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: IL

Complaint narrative:
The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXX Pm Cu XXXX XXXX Cred XXXX Credit

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 2022-03-09 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: IL

Complaint narrative:
The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXX Pm Cu XXXX XXXX Cred XXXX Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX associates never provided me with any sort of documentation indicating this account belongs to me neither did they provide me with documentation containing my signature nevertheless Experian continues to report that account as a collection on my credit report. 


I do not have any responsibility for the debt being reported to my credit report, please remove this information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : 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

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 2022-03-09 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: MI

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiry or have Equifax get back to me with regards to the issue. Here are the accounts and inquiry that concern me : XXXX XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MO

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have TransUnion get back to me with regards to the issue. Here are the accounts and inquries that concern me : XXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} SET XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  - CPO Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX Coinbase issued a new user agreement for customers to sign in order to access its platform. Upon reviewing the user agreement, I declined to accept it and on XX/XX/XXXX submitted a support ticket stating I did not consent to its terms and requested my funds be sent to my linked bank account. Coinbase had stated via email- in response to the support ticket - that it would close the accounts of people who did not accept the agreement and transfer their funds off the platform. I contacted Coinbase multiple times by email and twice over the phone to resolve this issue and ask why my funds were still on the Coinbase platform ( which I have had XXXX access to since XX/XX/XXXX ). I have called twice - in the first call, I was told my case was being sent to the compliance team, and was told I could expect an email with an XXXX for the funds to arrive in my bank account. I verified my bank 's checking account details with the representative in order to ensure the transfer would be processed correctly. When this did not occur, I called again and was told that the compliance team is not available by phone and the customer support representative was unable to provide me with any information on my case.The phone calls occurred on XXXX ( XXXX minutes ) and XXXX ( XXXX minutes ). I am concerned that Coinbase has no intention of returning my funds to me. At the time of this writing the funds total approximately {$9000.00} across the various Coinbase platforms ( Coinbase Pro, Wallet, etc ). I received email replies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and today ( XXXX ) and this issue is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Recently Coinbase, Coinbase Pro updated its terms of service with anti consumer verbiage. I did not agree to the new TOS. I was locked out of my account for 3 weeks with no contact from Coinbase. Coinbase stole multiple coins from my account. Coinbase entered into transactions without my consent. Coinbase refuses to provide any record of these transactions or a way for me to move coins offsite.

Company response to consumer: Closed with explanation