vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX U S DEPT OF EDXXXX Account XXXX XXXX and XXXX U S DEPT OF ED/XXXX  Account # XXXX and XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 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 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-05-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian mailed me a consumer credit report and did NOT provide me with a consumer credit FILE as I also requested. I know the difference between a consumer credit report and a consumer credit file. Experian is in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MI

Complaint narrative:
In accordance with the fair reporting act XXXX XXXX # XXXX, XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an 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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I transferred $ XXXX from my checking account to my Coinbase account.The transfer occurred immediately. My checking account was debited immediately. 

I had made a mistake. I only wanted to transfer XXXX. When I asked Coinbase to transfer $ XXXX back to the checking account I was told there was a hold on the funds for 3 weeks. I could not take any action until XXXX XXXX at the earliest. 

These is no reason for the hold. It is just Coinbase appropriating the float for 3 weeks for their own profit. Maybe also dealing with their cash flow issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXXXXXX 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 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 an 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 explanation
Consumer complaint received 2022-05-26 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: CarMax, Inc.
State: GA

Complaint narrative:
In response to claim # XXXX through the CONSUMER PROTECTION FINANCIAL BUREAU CARMAX AUTO FINANCE claims they are not violating the cease and desist notice that was sent to them by me via certified mail. CARMAX AUTO FINANCE has sighted the Gramm-Leach-Bliley Act as grounds for their ability to report my non-public personal information. The act clearly states : You must give consumers and customers a " reasonable opportunity '' to exercise their right to opt out, for example, 30 days, after you send the initial notice either on- or off-line, before you can share their information with nonaffiliated third parties outside the exceptions. For an isolated consumer transaction, like buying a money order, you may require your consumers to make their opt-out decision before completing the transaction. 
Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. I was never given the option to opt out as stated by law. I am OPTING OUT OF CARMAX AUTO FINANCE SHARING MY NON-PUBLIC PERSONAL INFORMATION. CARMAX AUTO FINANCE alleges that communication of this alleged debt trough the credit reporting agencies is not communicating with me however, it is communicating with me, whether directly or indirectly, which is clearly a violation of the terms of a cease and desist which clearly states ANY medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CO

Complaint narrative:
Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.

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 2022-05-26 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: CO

Complaint narrative:
Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXXXXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CO

Complaint narrative:
Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXXXXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.

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 2022-05-26 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.

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 2022-05-26 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-26 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: MO

Complaint narrative:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26 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: HCFS Healthcare Financial Services of TeamHealth
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX primary physician XXXX. pa ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX / ARS XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MI

Complaint narrative:
In accordance with the fair reporting act Acceptance now # XXXX, XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation