vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: CRESCO CAPITAL INC.
State: GA

Complaint narrative:
Cresco Capital is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CORELOGIC INC
State: GA

Complaint narrative:
I have a credit inquiry that I did not make or authorize. I am not sure why this inquiry is on my XXXX  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 explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC
State: FL

Complaint narrative:
While this is not the biggest issue in the world, It is very inconvenient. 
I am a crypto currency investor and I use the site known as eToro to buy and sell my coins. 
When I joined, it was extremely easy and adding money from my bank to my etoro account even easier. HOWEVER, today i decided to withdraw just a little back to my bank. To give you all the details of what I had to go thru may add an hour or more typing to this complaint. The best way to describe it is, I had to go thru both XXXX and XXXX XXXX to achieve my goal, Instructions not available, or different instructions depending on which part of the help page you ask. Very personal questions deemed as NECESSARY in order to complete form, and a number of other things, like difficulty locating certain applications, incorrect instructions, statements such as, If u use this method we can not guarantee the money will arrive to your destination, which caused me to think, well I better try the other method. The same message would be at the other method as well, so either way u r being told, if u withdraw we won't guarantee you get your money. These are just a few of the issues i had to get thru.. Now I have a fear of withdrawing my money later. It is not very much but it is all I have to invest I'm a senior citizen on a fixed income. Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

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 2021-08-30 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2021 a letter was sent to XXXX  asking them to verify the account National Credit systems XXXX XXXX XXXX. On the same date I also requested for the investigation done to determine the account is mines be sent to me as well in which the Creditor has not done so still to this day. XXXX  is the only credit reporting agency who continues to report this creditor although they have violated my rights covered under FCRA laws. With each dispute I have sent they keep changing information that theyre reporting. XXXX  has a copy of my Identity theft report, my police report for identity theft, and my complaint with the office of the Attorney General as well, yet they are still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to 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 2021-08-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to 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 2021-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
In the beginning stages of the pandemic, I was unable to pay the loan amount monthly. I do not owe anything to this secured loan, but it is reporting two negative payments on my credit reports and bringing my score down drastically. I feel that is predatory and immoral. My financial situation is much different now, yet there is nothing I can do about to reopening this account and continue making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have been a customer of Coinbase since XXXX with a simple coinbase crypto wallet. Unfortunately, I lost access to one of the email accounts that was used to log into my coinbase wallet account. I also lost access to the phone number and XXXX XXXX  to that account. However, I still remember the old email and password and am able to log in, but once I log in, there is a security prompt for an XXXX  to that email, phone number or XXXX XXXX ( which again, I've lost all access to ) so I can not progress any further. The last time I had access to this account was XX/XX/XXXX. I've tried multiple times to do an account recovery via their website so I can prove my identity and that I am the person on the account, but no one has responded from coinbase. It seems almost impossible to reach a human as I've only had responses from bots. I've checked on many forums like XXXX and XXXX and it seems thousands of people have or are experiencing the same issue. 

That said, I recently received a letter on XX/XX/XXXX from coinbase and their law firm stating my unclaimed property will be handed over to the state that I reside in if I don't sign this letter and email it back by XX/XX/XXXX to confirm I am the account owner and that I do not want to hand it over to my state. I signed the letter and emailed it to coinbase 's law firm and then I received an email stating that it's not enough and that I now also need to access my account by XX/XX/XXXX. I was confused because the letter stated I only need to return this letter to stop the transfer to the state, but the email response from them contradicted that letter. I've raised another ticket with coinbase in hopes I can prove my identity and gain access to my account again. I am filing a complaint here in hopes to get some help to reach someone at coinbase to assist me and close this case. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, and Equifax received an Identity Theft Affidavit from me and refuses to remove the account. It was not blocked in era and if they believe it was Id like a senior member of their organization to sign an affidavit under the penalty of perjury stating this. They continue to play games and responded to my request asking for information already presented to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: GA

Complaint narrative:
I have a credit inquiry that I did not make or authorize. I am not sure why this inquiry is on my XXXX  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 explanation
Consumer complaint received 2021-08-30 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit reports.It has been 60 days and I have not received and type of response from the credit bureaus. I feel as if Im being taken advantage of and my disputes are being ignored by the credit agencies. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has currently been over 60 days and these items should be immediately removed and deleted promptly per section 611 ( a ). I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: VA

Complaint narrative:
This is a formal complaint Transunion has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me XXXX XXXX. I have requested Transunion to verify/remove 3 bankruptcies for reflecting on my report and they have not done so. Despite my efforts to resolve this situation for several months now, Transunion has completely ignored my communications and legal submissions to remove this unverifable/inaccurate information from my credit report.This company 's unprofessional & negligent behavior has caused lots of serious harm for me to establish credit and misrepresenting my character.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by XXXX under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by congress under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.

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 2021-08-30 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: PA

Complaint narrative:
Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by congress under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.

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 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Dear Madam/Sir, I'm contacting this federal agency because of what I believe to be mismanagement and lack thereof control of private keys regarding digital asset securities known as cryptocurrency wallets. There was a mismanagement of my personal property of XXXX ( a stable coin cryptocurrency that can redeem at XXXX with USD ). Kraken blatantly withheld my funds amounting to roughly {$52000.00} on their cryptocurrency exchange ( Owned by Payward Ventures Inc. ). The SEC has stated that digital asset securities like bitcoin must be able to prove and provide full control and responsible management of private keys and wallets in the handling of private funds. I sent a BEP-20 token to my ERC-20 wallet address that they provided me on my Kraken account on 'www.kraken.com ' around XXXX XXXX, XX/XX/2021 from XXXX , another cryptocurrency platform. I have a confirmation transaction address on XXXX XXXX XXXX to confirm that the funds were deposited in the BEP-20 address Kraken assigned me at that time. The funds never showed up in my Kraken account and I opened a support ticket with Kraken asking for the reversal or recovery of my funds. They told me it's impossible to recover essentially due to their poor choice of smart contract ERC-20 addresses that don't have private keys. I went to their Kraken XXXX support page to see if anyone had the same issue, and many ppl are having the same problem before I did. Some even have been waiting months or even years to get a response back from Kraken. Kraken didn't do anything to mitigate this pain from their customers despite so many unfortunate precedents. I contacted XXXX and XXXX told me that Kraken had previously refunded customers who got into the same situation. However, so far, Kraken has shown no willingness to help me whatsoever. This is not a small amount of money, it was my 3 years of saving. The negligence and lack of care Kraken has shown to a situation that was caused by their poor management and choices of the solution are at least unethical. 

Please help me with this. 

Best regards, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.

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