vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today XX/XX/2021 I checked my Transunion credit report and it was showing that I owed a balance of {$150.00} on a loan from XXXX XXXX XXXX XXXX and this is false. This loan is fully paid up and the loan is closed. I am there fore asking Transunion to delete XXXX XXXX XXXX XXXX from my credit profile as the account is fully paid up and no funds are owed to 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 explanation
Consumer complaint received 2021-09-03 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 — Problem with personal statement of dispute
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Turned this over to CBS Collections On my XXXX  report. 

All details in full and attached proof are attached below. I have contacted XXXX, original creditor and collection agency and still not handled properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NJ

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: OH

Complaint narrative:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
In XX/XX/2021 I received an offer in the form of a letter from Midland Credit Management indicating that the collections on my debt would be taken out of collections if I would contact them and make payment arrangements. On XX/XX/2021 I contacted Midland Credit and attempted to resolve my collections issues thru the offer I was sent in the mail by Midland credit. When I spoke with the representative from Midland Credit Management and indicated that I was ready to resolve the issue of debt collection with the understanding that as stated in the letter I received in XX/XX/2021 that the collections would be removed from my credit report as payment arrangement were made. I was told that they would not remove the debt collection off my credit report until payment was made in full. I stated to the representative that the letter clearly indicated that the collections would be removed while payments were being made as stated in the letter received on XX/XX/2021. The representative then became rude and aggressive when I pointed out the fact that the letter offer clearly said that the collections would be removed. 
Now I getting phone calls before XXXX and after XXXX and have received letters threatening me with lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
My account has been under review for more than 9 months. I have uploaded my ID documents 5 times and everything is correct. I have bought and sold cryptocurrencies up to 10 months ago normally, but I have not been able to trade for more than 9 months. 

I opened 3 tickets with the numbers # XXXX # XXXX and another. 

However, I have not gotten any solution. 

My money has been blocked for more than 9 months and it is impossible for me to operate. I don't know what other action to take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I bought out my car lease on XX/XX/XXXX with the amount that was quoted by Ally auto ( {$19000.00} ) On XX/XX/XXXX they updated my account information that the car was paid off and the balance is XXXX dollars. It has been a week and they are not sending me any paperwork like the odometer reading statement for me to sign or bill of sale. This is all done by email, these are all standard forms. The amount of money I send them isn't a small amount of money. I need help. I called them many times and they tell me to wait that this paperwork takes time. When I called them ti get a timeline of how long it takes, they tell me a whole different story of how fast its done. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: DriveTime
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
The night of XX/XX/2021 I was a victim of sim swap and I am a customer of XXXX XXXX XXXX XXXX is no help and they are not forthcoming as to how the swap took place. The thief stole over {$5600.00} of my coins in my Coinbase account and bought over XXXX in coins and transferred them. I got on wifi and saw emails popup about coinbase and locked my coinbase account/ reported fraud on XX/XX/2021. I could not figure out why the emails were disappearing. On XXXX I used a friends phone to call /restore phone service. That afternoon I started getting drafts of XXXX out of my bank accoun Zt. I closed my bank account. Coinbase has not been helpful. They penalized me for the fraud. I filed police and FBI reports. I staked my XXXX and coinbase withdrew that on XX/XX/XXXX to further punish me for the theft. Please let me know what I can do because no one is responding in a helpful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I received marketing from OneMain Financial. I have used XXXX Opt-Out, the DMA, and National Do Not Call to stop getting calls from telemarketers and credit card offers. I still continue to receive offers from companies who do not honor my request. I am asking that all companies that violate this are cited for the violation. XXXX XXXX repeated marketing to me for years after my request and even after repeated requests to stop their marketing i still received marketing. As with XXXX XXXX i am asking for {$1500.00} per violation and that the companies are cited for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX is been reported accurately on my credit report. On XX/XX/2021 Experian got a request from me for ''THE METHOD OF VERIFICATION '' proving to me that they had investigated the matter and how they came by there determination to say that XXXX  XXXX XXXX was been reported accurately on my credit report. It is my right under the Fair Credit Reporting Act to ask for this and the Fair Credit Reporting Act also states that the credit bureau has 15 days after I have made the request to supply me with my request. Today is XX/XX/2021 and I have not gotten the method of verification and this is a clear case of a FCRA violation. I have submitted other complaints about the same issue on this system. Its almost two months that they got my request and have unable and or refused to provide the method of verification requested. It is illegal to continue to report some thing on my credit report as been accurate but can not provide the documents to back up that story. 
It is insane and unprofessional for Experian to continue to report an item on my credit report as been accurate but refuses to provide me with there method of verification. I dont owe XXXX  XXXX XXXX any money but yet Experian continues to hold my credit hostage. This complaint is filed so that when I do decide to take legal action against Experian there will be some form of documentation proving that I contacted the credit bureau on numerous occassions to delete XXXX  XXXX XXXX from my credit report. I also contacted Experian for there method of verification and they have refused and this is a clear FCRA violation. Experian should delete XXXX  XXXX XXXX from my credit report 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 2021-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: PR

Complaint narrative:
I submit a complaint before and I don't receive any answer. The number is # XXXX Transunion is violating my rights, They don't want to delete and accounts, that's only is it not mine but it has inaccurate information and violations of the FCRA. I ask for the independent investigation documents to verify how they get to the conclusion of the account is mine and they failed to complain. I bing disputing this account back from XXXX and XXXX  and XXXX  delete this a Transunion don't. I ask for the call record of the conversation whit the Transunion assistant XXXX XXXX on XX/XX/XXXX of XXXX, at XXXX XXXX  report number is XXXX In that call XXXX XXXX say they do the investigation true the information they send to the department of treasury, in this case, the company putting in my credit the bad information. and that's the only thing they do to investigate. I ask for the removal of the account for these 3 reasons Not my account, violation of the FCRA, and failing to validate, she refuses to dispute my case. Please if you do an investigation you see is not my account, and have several violations in the report and Transunion is dowing noting to 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 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account at Coinbase. I have bitcoins and ethereum with them. 
My account has been blocked since more than two weeks. They say they are verifying my information, and that they need a few days. As i say it's been more than two weeks with my money blocked.

Try to reach the costumer service, but there's no such thing. Its an automatic email service. Impossible talk with someone on the phone. 
I think that i've been robbed. Simply as that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I opened an Apple Card account in XXXX of XXXX, and I was assigned a paltry limit of {$250.00}. Since that time, I have used my card often, and every few days am forced to make a payment so I can free up available credit in order to use my card again. 

After asking to have my initial limit reconsidered, Goldman Sachs told me I must wait 90 days before I can request an credit limit increase. Yesterday, I requested an increase, and was denied because a payment I made was recently returned unpaid. 

The returned payments occurred on XX/XX/XXXX and XX/XX/XXXX. Neither payment was returned due to insufficient funds. The payment on XX/XX/XXXX was returned due to uncollected funds. A deposit I made the previous day was not made available until two days later. The funds were there, but they were inaccessible. The payment on XX/XX/XXXX was returned due to my account being frozen. Someone was able to obtain my debit card number, replicate my card and use it to withdraw funds at a non EMV atm. The bank froze my account to make sure no one obtained my account number to withdrawal funds. After it was confirmed that my account was secure, the account was unfrozen. 

I have made a diligent effort to demonstrate to GS that I am capable and willing to make timely payments on my account in full so that in return, GS increases my credit limit so that I can use my card regularly without having to pay the balance every other day. Through no fault of my own, this effort has been handicapped. 

My dob is XX/XX/XXXX. The last four of my SSN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2021, I began the process refinancing of my mortgage with Well Fargo my current lender. Since this time I have had several conversations with office managers regarding the delayed process of my loan and lack of communication. The request was made to send documents of income that were sent, weeks later I'd get another request for the same documents ( this has happened at least 3 times ) I have emailed with no response and have had to communicate with other employees at the call center for assistance. It is now XX/XX/XXXX and I continue to get the same message regarding a rate lock which I have reviewed several times. It is impossible to get a hold of my loan officer and when he does send an email its at the close of his business day thus I am unable to call or when I send an email response I do not get a reply and usually end up having to contact the call center. This complaint has been brought to their attention on 3 or more occasions and usually, the response is an apology with no resolve. It should not take this long for the process! 

Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: I.C. System, Inc.
State: VA

Complaint narrative:
I had a collection on my credit report from about 4 years ago from XXXX XXXX and electric in which belongs to my mother. I have been disputing it ever since it was originally added to my credit report because it does not belong to me. On XX/XX/XXXX my dispute finally was accepted and the account was deleted, the creditor at this time was called XXXX XXXX XXXX. About a week ago ( around XX/XX/XXXX ) the collection was added back to credit report after it being OVER A YEAR and now has a new creditor called I C System. Now the collection is saying it was opened in XX/XX/XXXX which is totally inaccurate from when it was originally on my account and i would have to wait another 7 years for it to drop if it is not resolved. Also it was deleted originally for false information and its been over a year why was it added again with a new creditor a year later. Im highly upset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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