vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 19. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX BANK XXXX XXXX A Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I applied to Better Mortgage for a refinancing of the mortgage loan on the rental property that has been held in my late husband 's trust for over 12 years. They gave me pre-approval and a loan estimate. Then, they started demanding over and over again that the loan had to be closed in my trust, not my late husband 's trust. This would make my trust responsible for the loan not my late husband 's trust and violate the terms of the trust. Two estate attorneys and XXXX XXXX XXXX official have informed me the very accepted legal practice for recording this type of loan is to record the loan in the deceased person 's trust with the trustee listed on the loan which is me. But Better feels it does not have to comply with normal legal practice. This is just back door age and sex discrimination because there is no evidence properties held in the trusts of deceased persons long term have any more default risks than other properties. As the trustee, I have excellent credit, XXXX XXXX in liquid assets and adequate income to quality for the loan. PER XXXX, THE PROPERTY IS WORTH MORE THAN FIVE TIMES WHAT THE LOAN AMOUNT WOULD BE!!!! It is also in XXXX, XXXX which has sharply rising rents and property values, a great school system, the highest per capita household income in XXXX XXXX and is home to a very large XXXX XXXX and XXXX facility. Even if we had another XXXX XXXX the property would be worth more than twice the loan. The real reason they want the loan recorded in my trust is so when I die Better can invade the principal of both my trust and my late husband 's trust. Indeed banks and other lenders stealing from the trusts of the deceased is becoming more and more common.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-19 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: NV

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. 1. XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than seven years.

15USC 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 2022-04-19 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: NV

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.

1. XXXX XXXX XXXX  acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. 

I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. 

In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. 

Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Parrish and Lebar, LLP
State: VA

Complaint narrative:
PARRISH & LEBAR, LLP is a law firm acting in the capacity of a debt collector. This is a clear violation according to the FDCPA 15 USC1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Also from the FDCPA, 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They keep furnishing information stating that I am not the creditor. A Corporation can not create credit they only receive credit when they enter into a trust transaction They are also violating TRUST LAW because a US TRUST, according to 26 CFR 10671-5, is being administered in this frivolous court case and the TRUSTEES are not fulfilling their fiduciary duty 's to the beneficiary, XXXX XXXX XXXX- beneficiary , but not providing the correct documentation to show that there is anything lawfully owed on an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the accounts listed below I have been disputing for months now and they still haven't been removed. Experian and XXXX has ignored my request to for several months to remove this inaccurate, un verifiable fraudulent identity theft accounts from my report. they have not sent me signed contracts to verify that these are mine. it had been for that 45 days with no proof I own these. please enforce the laws on XXXX and Experian to remove these. 


1.XXXX/XXXX account numberXXXX 2.XXXX  XXXX XXXX  ( original creditor XXXX XXXX XXXX Account number : 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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.

Complaint narrative:
I hav

e a BlockChain Account. I wanted to move out. As soon as this intention was understood by BockChain, they have been trying everything to claim my XXXX assets and use it to their own benefit : - claiming there would be suspicious account access ( WITHOUT providing ANY proof for it, even at repeated explicit request ) - asking I would open another account with them ( because... that's what people like to do when their assets get stolen??? ) - refusing access to my own crypto access, so that I can move out - endless ( and slow ) response times, when asked them justification why they confiscated my assets and refuse to release them - I can't even see my assets in my balance anymore -... 

Today I read in XXXX, the XXXX XXXX will impose a lot more regulation on companies like BlockChain Inc ( US ), and for good reason. I found out the hard way why that is SO needed. 
I have been, for over a half month now, exposed to deeply unethical behavior and -de facto- plain robbery!! 

I have registered multiple complaints here - to warn other people for this company ( and therefore also chosen to always make them public ). 

THIS HAS TO STOP AND BLOCKCHAIN INC HAS TO BE BROUGHT TO JUSTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account name XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish an account without my written instruction.

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 2022-04-19 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account name XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish an account without my written instruction.

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 2022-04-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account name XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
My Coinbase Pro account was compromised on XX/XX/2021 when my cell phone number was given away and activated on another device not in my possession @ XXXX PM ( Thank you XXXX ) and the thief was able to conduct a password recovery process with my email via SMS ( also on the XXXX of XXXX ). Once my email was hacked they were able to initiate a password recovery process to my Coinbase XXXX account. They converted some of my current Crypto currency investments back to USD and then converted to XXXX ( XXXX ) before transferring out and off of the Coinbase exchange. Also, while in my account they initiated a withdrawal from my cash account ( local bank ) and via Coinbase policy, they were permitted to instantly convert or trade the cash equivalent of {$1000.00} instantly without having to wait for the transfer to finish. Upon recognizing the breach on XX/XX/XXXX, I successfully placed a stop payment on that transfer with my local bank. Now, Coinbase wants me to cover the funds they allowed to transfer off of their platform and hold me liable. Essentially I'm being asked to fund the criminal activity so the exchange doesn't lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
According to my consumer report I received dated XX/XX/2022, I noticed TWO discrepancies in the way you are furnishing my information. If you have not been made aware, there are various federal laws in place to protect me as a consumer and to construct this consumer credit transaction. As a gentle reminder, you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). 

According to 15 USC 1666 ( B ) if you adopted such reasonable procedures your company is required to mail or deliver a span of documents ( negative information notice ) no later than 21 days before the payment due date. As of today, XX/XX/2022, I have not received such documents that would allow your company to display TWO late payments to my consumer report. If your company has sent me such documents please provide documentary evidence that you did such as a tracking number and a wet signature from a return receipt that you sent to me. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listing you have listed on my consumer report. As I, XXXX XXXX have contacted Self Lender, the corresponding information should not be listed on my consumer report. This account should PROMPTLY be updated as ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the third time, I received an offer from Capital One for a Quicksilver credit card. The offers each came with a reservation # and an access code. With each offer, an enclosure outlining Capital One 's application terms was included. The application terms specified a 0 % introductory APR for the first 15 months, then the APR adjusts to 14.99 % based on creditworthiness ( based on the Prime Rate ). When commencing the application process online, I noticed after entering the reservation # and access code, the interest rate after the 15 month introductory period was listed as 15.24 %, not the advertised 14.99 %. Also other fees and rates were higher than those listed in the enclosure. When noticing the higher rates online, I immediately stopped the application process, closed my browser, and placed a phone call to Capital One. After being transferred to an account supervisor, she advised me the enclosure containing Capital One 's application terms was " probably a misprint '' as she couldn't get me the advertised rates and fees. I told her that it was highly unlikely that three separate mailings would contain offers that were misprints. This phone call took place yesterday, XX/XX/2022. While the expiration date for this offer is XX/XX/2022, the reservation # and access code is available upon request. Lastly, my credit score as of XX/XX/2022 is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account name XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish an account without my written instruction.

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