vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-14 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: FL

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, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX & XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 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 2023-04-14 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: FL

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, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX & XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the XXXX, XXXX, and Experian to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX XXXX AND XXXX XXXX They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!! 

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 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 explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I sent XXXX $ in XXXX via Coinbase and instead the website showed that it sent the entire balance of my XXXX wallet which is {$15000.00} to another address. 
1. the confirmation web widget showed a balance in XXXX XXXX which is abnormal since it showed a transaction in XXXX XXXX 
2. I received no email confirmation which is also abnormal since the account was setup to send confirmations. 
Both 1 and 2 point to a problem originating from Coinbase servers. 

Contacted multiple times with these proofs, coinbase refused to : a. reimburse the faulty transaction b. show web log of the transaction c. answer why I didn't receive an email confirmation d. answer why the web widget showed a balance in XXXX for a transaction in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
I called in XXXX to report inaccuracy with the following : XXXX XXXX XXXX in XX/XX/2022, which i did not apply for. 

XXXX XXXX  XXXX XXXX, on XX/XX/XXXX and 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 explanation
Consumer complaint received 2023-04-14 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at Mercedes Benz can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CA

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 XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, DEPT OF ED/XXXX Account Number XXXX, XXXX BANK Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX, DEPT OF EDXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXX  XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXXXXXX XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 explanation
Consumer complaint received 2023-04-14 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: MT

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have called multiple times to this company and they are not willing to work with me and they dont want to send me a report with what is owned nor a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has twice changed the autopay from XXXX XXXX to a Capital One account where I didn't have enough $ in there to pay. I did have enough $ in their savings account but they picked checking. It was their own account and they bounced the payment, not even taking the minimum payment. I don't know why they keep changing the Auto Pay bank. 
On Sunday XX/XX/XXXX they texted me and said that the autopay went through on XX/XX/XXXX. On XX/XX/XXXX they texted me and said that XXXX put {$25.00} on the card. On XX/XX/XXXX they texted that I had a balance of {$530.00} which I knew something was wrong because I pay them in full so the balance should have been {$25.00}. I went and looked at the account and saw that they bounced the autopay because they once again switched the autopay bank. I immediately paid them from the correct bank and asked for the {$25.00} fee to be waived. They said they would waive it. On XX/XX/XXXX, I looked at the account and the {$25.00} fee was still there and then they added an interest fee. I called them back and told them they switched the auto pay bank and that I wanted the interest fee waived. They refused. I then paid them the interest and the XXXX and the {$25.00} fee and asked for the card to be cancelled. I didn't switch the autopay and if they would have texted me that it didn't go through timely, I would have paid it and had it straightened out. Also they could have chosen to use the {$1000.00} sitting in their bank to pay the bill in my savings account. I have since cancelled my bank account and my credit card account with them, but I do want my interest charges back because I did not change the autopay bank. Their system has done this to me twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion XXXX XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion XXXX XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXX XXXX  XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : 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 2023-04-14 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: GA

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
Today XX/XX/23 i went online to the banksters website : V.W. Credit to get a payoff quote their website refuses to provide me with this information which is readily available to them, instead refers me to any V.W. dealer, its apparent they want to make this really difficult almost impossible to attempt to fraudulently force me into staying with this sorry customer service brand ( V.W. ) So i go to my local V.W. dealership in FL called XXXX XXXX. a very nice gentleman by the name of XXXXSales Mgr tells me he can not provide that information unless i leased the XXXX with them how can this be? He says he does not know why he can not provide the info since its right in front of him & available. Instead im told to drive an hour north to the dealership i leased it from. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I NEED THIS REFLECTED ON MY CREDIT REPORT AS PAID IN FULL IMMEDIAETLY AS ACCOUNTS ARE ALREADY PREPAID PER 31 U.S. Code 3123.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
We have a mortgage that is serviced by Selene Finance. There is an escrow account set up with the company that has over {$130000.00}. although the escrow is paid the servicing has not paid the property taxes associated with the agreement with Selene Finance. There is now a {$5100.00} late charge with the XXXX XXXX tax collector. We are now on our 10th call with the company to get this resolved. They promised to pay the tax, then give us back money, so can pay. Every call is put on hold for up to an hour. 

this process has been over a month with XXXX results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
I review my Consumer reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM ACCURACY. I have never been late on payments for the account XXXX XXXX XXXX, account noXXXX. Please investigate and provide PROOF with Statements showing these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the XXXX, TransUnion, and XXXX to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX  XXXX AND XXXX XXXX They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!!

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 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