vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX  and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score  as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX : 1. XXXX - OCT. XX/XX/18 2. XXXX/ XXXX. - XXXX XX/XX/18 3. XXXX  XXXX - XX/XX/18 4.   XXXX Bank - XX/XX/18 XXXX : 1. XXXX XXXX Bank - XX/XX/18 2. XXXX , XXXX - XX/XX/18 3. XXXX  XXXX Bank XXXX - XX/XX/18 4. XXXX/ XXXX  - XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX  to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX  : 1. XXXX  - XX/XX/18 2. XXXX XXXX. - XX/XX/18 3. XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18 XXXX : 1. XXXX XXXX XXXX - XX/XX/18 2. XXXX XXXX XXXX. - XX/XX/18 3. XXXX XXXX XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18

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 2018-11-02 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account balance needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: LA

Complaint narrative:
XXXX XXXX XXXXl is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.

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 2018-11-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX  XXXX  is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.

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 2018-11-02 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is Chase Card, with a XXXX credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is the company I most hate filing a complaint on, but I am forced to! I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct.

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 2018-11-02 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: MO

Complaint narrative:
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: MO

Complaint narrative:
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.

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 2018-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
We registered our coinbase account ( XXXX XXXX with emailid : XXXX ) in XX/XX/2018 and starting crypto trading on coinbase platform. On XX/XX/2018 we received an email from coinbase saying that our account has been rejected and we would need to close our coinbase account. At that time we had XXXX USD in our coinbase account/wallet and I requested coinbase to release my funds and then I will close my account. 

Since then I have raised multiple requests for getting this issue resolved. They have restricted all the trading on my coinbase account. Every time I reach out to there costumer support, they ask me to add my bank account on my coinbase account, but I am not even allowed to add my bank account on the portal to get my money withdrawn. Every week I am back and forth with a costumer representative from coinbase and been assured that this will be looked by a specialist, but nothing has been done yet. 

It has been more than 5 months now and I still have not received my ( XXXX USD ) money from coinbase. 

Hope this will help me getting my moeny back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct. I was advised I may want to pay for their XXXX a month service if I wanted to access my credit, but it still would not allow me to dispute, or monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, i have a verified Paypal account. Once the account reached XXXX paypal froze the account under false pretenses, saying there was suspicious activity. There was no suspicious activity. The account is frozen with them demanding information yet not responding to what was sent. I sent a bank statement showing my address. I want them to close my account and send the money to the address on file. I've experienced this extortion before. Paypal knows I use the account to receive XXXX  payments and to shop so they freeze the account once it reaches a certain level. Paypal will not respond to my submissions. 


Nationwide Signing Paypal email XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened and funded a Citi checking account back to XX/XX/2018. 
The promotion I opened account with is " get XXXX $ cash bonus after maintain XXXX in account for 60 days ''. I completed required activity in early XXXX, 2018. So I should get cash bonus early XXXX, but I didn't. 

I contacted Citi about this and opened a case on XX/XX/2018. I called Citi twice on XX/XX/XXXX and XX/XX/XXXX to check case status, but there is no any update on it. 

I hope CFPB can help me solve this dispute issue. Thanks

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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Someone opened a suntrust account in my name.

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 2018-11-02 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: LA

Complaint narrative:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

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 2018-11-02 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: LA

Complaint narrative:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: LA

Complaint narrative:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

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 2018-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was given a cashier 's check by a potential customer for {$2200.00}. This amount was {$1400.00} more than my asking price of {$850.00}. I contacted the customer and inquired about the over payment. They said that this cost was to cover shipping from Los Angeles to New York. I told them that I didn't want to coordinate any shipping and that I would happily refund that portion of the payment as soon as their cashier 's check cleared in a couple of days. On XX/XX/XXXX, I logged into my account and noticed that the cashier 's check had cleared so I felt comfortable in refunding the {$1400.00}. The customer then contacted me upset about how I was withholding their money and no longer wanted to do business with me and asked for a full refund. This all seemed suspicious so I did not refund their money in full and instead contacted my bank about this check because I noticed a small error message next to it when I would log into my online banking account. The bank notified me that the check was a fraud check and that my account was going to be frozen and that they would be taking back the total check amount since it turned out to be fraudulent. My bank is holding me accountable for the {$1400.00} I paid this individual. I only paid this scam artist back the over payment in the first place because their check cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This account is not mine. I have tried to explain it to them on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account is not mine. I have tried to explain it to them on numerous occasions.

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 2018-11-02 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: Nelnet, Inc.
State: LA

Complaint narrative:
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over XXXX in charged off accounts that should not be appearing on my credit. I have tried for years between the department of education, and Nelnet to get this fixed, to no avail. Please help get this fixed I am desperate!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I a partial payment of {$400.00} for my mortgage with XXXX XXXX XXXX XXXX  on XX/XX/2018. Capital One Bank didnt process the payment. It was not reflected on my account statement. As a result, I was charged a lot of fee with XXXX XXXX XXXX XXXX. My mortgage even when to a foreclose because of this. I want to be compensated for this BIG error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is supposed to allow consumers to freeze and unfreeze their credit reports to third parties at the consumers request. Their entire process is robotic, impersonal, and incapable of following through on this mandate. Their system routinely misidentifies me and will now not allow me to unfreeze my credit. Both Experian and XXXXn have web based services that work efficiently and well. Experian 's " service '' if you can call it that, is rife with inefficiency, lack of accountability and onerous demands on the consumers that will take hours to put together and days or weeks before Experian even gets around to the request. As far as I'm concerned I don't trust Experian with my information let alone their ability to keep it accurate or safe. In my first attempt to freeze my credit they required " proof '' sent via USPS while denying my freeze request on line. A week and a half later I recieved an answer from them saying they couldn't honor my freeze request because they needed more information, then asked for the very same information I'd already sent. To top it off they included in the letter a full picture of my complete credit information. In effect they did not yet believe I was who I said I was and yet they sent me a complete picture of my credit. This organization can not be trusted with our sensitive credit information, period! To top it off they also sent me a pin number to use which when I did was REJECTED! It is amateur hour at Experian

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 2018-11-02 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the XXXX XXXX format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL Dept of Ed/Navient accounts that appear on my credit report immediately.

Company response to consumer: Closed with explanation