vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
Ive been using Coinbase since approximately XXXX of last year and in doing so I use my debit card to purchase cryptocurrency. All of the sudden out of the blue, I have been restricted from using debit cards on the exchange. When I inquire all I am told is that for the security of my account the reason why can not be disclosed. Well Im not sure why they need to keep my own account secure from me, or what damage me using my debit card to purchase cryptocurrency could be doing to the general public, but there has never been any issue with any of my payments and theres absolutely no reason why I should not be able to use my debit card as every other user of Coinbase is able to. It did not give me any information as to the reason why is unacceptable. Even though they are the largest crypto exchange in the United States they are also the most expensive and I pay fees for every single transaction and Ive paid them a lot of money and they should be looking at me as a customer and they should be putting my interest before their own. Instead of treating me like I am a prisoner and that I dont deserve transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE CONTINUED TO COMPLAIN THAT THIS ADDRESS THAT THEY HAVE LISTED ON MY CREDIT REPORT IS NOT MINE. YET THESE COMPANIES HAVE NOT REMOVED THEM FROM MY CREDIT REPORT. I HAVE NEVER LIVED IN TEXAS AND HAVE EXPLAINED TO THESE CREDIT BUREAUS THAT I HAVE NEVER LIVED THERE AND THEY STILL HAVE NOT REMOVED THIS ADDRESS FROM MY CREDIT REPORT. I HAVE NEVER LIVED AT- XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-12 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. XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
On XX/XX/XXXX, XXXX XXXX incorrectly reported a late payment- despite my payments being automatically drafted. 

I disputed the incorrect information with XXXX as well as the XXXX major credit bureaus. As a result, XXXX financial had the incorrect report removed from all XXXX bureaus. 

Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all XXXX bureaus. This was the second violation of my consumer rights. 

I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. 
As a result of the aforesaid dispute, both Experian and XXXX removed the inaccuracy from XXXX XXXX. 

However, Experian did not remove the inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TN

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: KY

Complaint narrative:
I closed this account in XXXX due to lose of work and agreed to a string payment of XXXX dollars a month until paid off. I was notified 5 years later by phone that I had a pass due payment. Which I questioned at the time on the XXXX dollars a month until paid off. I was informed that their string payments can only go out five years, that it had gone past five years and now your responsible for the payment. I told her that it would of been nice to receive something in the mail, a phone call or something letting me know. I asked what was the remaining balance, she informed me that it was XXXX and some change. I paid the remaining balance off with the agreement with here that a late payment in XXXX would not be reported on my credit report, due to them not contacting me or sending out a statement. It still shows up as a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I received a collection notification regarding a utility service for an address in XXXX Texas. This is an apparent case of ID theft since I've never lived in XXXX. The amount owed is {$340.00}. The utility company is XXXX XXXX ( account number XXXX ) and the collection company is On Line Information Services ( reference number XXXX, PIN : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: NC

Complaint narrative:
AMERICAN FIRST AND PARENT COMPANY is trying to collect on a alleged debt despite not creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. stand company has not provided consumer with official treasury forms filed under consumer social number as described by congress as an credit card. CONSUMER REPORTING AGENCY XXXX HARD INQUIRES SHOWS PROOF CONSUMER CREDIT WAS PULLED. WHICH BY THE RULES GOVERN SAID COMPANY UNDER THE FCRA, FTC, AND 16 CFR 433.1, 16 CFR 433.2 AND 16 CFR 433.3 COMPANY IS BOUND TO FOLLOW ALL GUIDELINE WHEN OFFER RETAIL INSTALLMENT AGREEMENTS PER THE CONTRACT AS AN CONSUMER MY RIGHTS CAN BE AEERTED AT ANY TIME. AS FOR THE 1099C, 1099OID, 1099A THAT SAID COMPANY HAS FILED WITH TREASURY DEPARTMENT UNDER THE RULES OF THE 1099C COMPANY MUST PROVIDE CONSUMER WITH AN COPY FOR ACCURATE IRS REPORTING FOR ANY DEBT OVER XXXX. SAID COMPANY IS NOT FILING THE PROPER TAXES WITH IRS WHICH IS FRAUD. DUE TO COMPANIES UNCOMPLAINCE CONSUMER HAS FILE FORM 211 ALONG WITH OTHER APPLICABLE OMB IRS FORMS UNDER FILING IRS NUMBER XXXX WITH THE TREASURY TO AUDIT CONSUMERS ACCOUNT TO MAKE SURE ACCURATE REPORTING AND TAXES ARE RENDERED PER THE SECURITY AGREEMENT SIGNED UNDER XXXX XXXX ( PARENT COMPANY ) WITH THE SECURITY EXCHANGE COMMISSION ALONG WITH ALL OMB IRS FORMS NEEDED TO CONDUCT AN AUDIT ON CONSUMER ACCOUNT. SAID COMPANY HAS ALSO SECURITIZED CONSUMERS PROMISSORY NOTE UNDER PARENT COMPANY XXXX XXXX WITH TRADING SYMBOL XXXX ACCORDING TO XXXX FILING USING XXXX XXXX AS INDENTURE TRUSTEE OVER SAID SECURITIES YET HAVE NOT CREDITED CONSUMERS ACCOUNTS ACCURATLEY. DUE TO THE RECENT CHANGE IN CONSUMER LAWS PLEASE SERVE THIS AS NOTICE THAT UPON A VALID PROOF OF CLAIM NOTARIZED UNDER PENTALY OF PERJURY CONSUMER REFUSE TO REMIT ANY FUNDS UNTIL ALL DOCUMENTARY EVIDENCE OF THE ACCOUNTING ON THE PUBLIC AND PRIVATE SIDE OF CONSUMERS ACCOUNT. SAID COMAPANY IS ALSO IN VIOLATION OF THE TERMS IN CONDTIONS OUTLNED ON THEIR WEBSITE FOR CONSUMER PRIVACY. TERMS STATE CONSUMERS ACCOUNT INFORMATION WILL NOT BE PROVIDED TO NON AFFLIFATES OF SAID AMERICAN FIRST AND ALL SUBSIDARY COMPANIES UNDER THE PARENT COMPANY XXXX XXXX. XXXX IS NOT AN AFFIFLATE OF AMERICAN FIRST AND HAS VIOLATED ITS AGREEMENT. FEDERAL CIVIL COMPLAINT HAS BEEN FILED AND SENT REGISTERED MAIL TO PARENT COMPANY AND XXXXXXXX TRUSTEE XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER IS DISPUTING UNDER BILLING ERROR XXXX. SAID COMPANY MUST IMMEDIATELY STOP ANY REPORTING UNTIL SAID COMPANY PROVIDE ALL INFORMATION UNDER THE PENALTY OF PERJURY FOR DOCUMENTATION

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: WA

Complaint narrative:
On XX/XX/XXXX I was sick in the XXXX  and my family got kicked out of our home and had to find a new place within days and with myself hospitalized it was nearly impossible specially considering I had no income and currently wasn't working. I am a XXXX  mom of XXXX kids and no one would help me, I couldn't find a loan until I came across XXXX, I felt so rushed in having to fill out paperwork with a XXXX things going and not feeling good I just signed my name and didn't think twice about the interest rate because on the phone they said I would only encounter the normal fees for taking the loan out which they said was XXXX and the guy told me since my tax return was coming in I told him my plan would be to pay it off and he agreed and said yes you can pay off any amount on the loan even all .yet on XX/XX/XXXX I paid XXXX and only XXXX was applied to my loan and on the statement it does not show any interest they charged me and yet on XX/XX/XXXX I tried to pay XXXX thinking that my loan was for XXXX and was sent a statement in XXXX saying my balance was XXXX estimated before the first payment was paid on XX/XX/XXXX. But the website kept saying I've exceeded the monthly amount when I tried to pay XXXX so I kept lowering it until I got to XXXX which I paid and then got a statement with a new balance of XXXX so if it was XXXX prior and just paid XXXX that should be XXXX but it was XXXX again with no interest amount next to interest and nothing for any late days money collected XXXX. So how can they explain where this remaining amount went?? They couldn't when I called they said XXXX month that it went to interest for that month. How the heck can they legally charge me XXXX in XXXX month for interest? It made me cry because just in XXXX I went in and bought this car that they now have the title for and paid cash for it because I couldn't afford a car loan monthly. Then I found out their interest every year is XXXX percent and Washington has a cap on interest so how can they get away with robbing me. On the amount they want to collect from me is XXXX dollars on a XXXX loan, they mislead me on the phone and I feel like they took advantage of me for not knowing how any of that works not having done a loan before. Heard there was a lawsuit In California for same issue .what can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NJ

Complaint narrative:
I recently called Transunion about inquiries on my report. For the past few years I have been dealing with several issues after ALL of my information was stolen out of my wallet. Periodically I check on my reports just to make sure things are good. When I called today, I spoke with FOUR different " customer service reps '' who did not speak the greatest English and let them know I had things I didn ; t apply for showing. Each one including a supposed supervisor XXXX, told me almost verbatim " an inquiry is a statement of fact that a creditor pulled your credit file with a permissible purpose allowed by law and can not be removed ''. Well by the 4th representative I was livid. I XXXX  this permissible purpose jargon they kept rattling off and while the last rep XXXX  was going through the whole spill again, I read her what it says that they, the consumer agency need MY written permission to put anything on my report and to somebody they have reason to BELIEVE is going to use it to open a account get a job or insurance. They confirmed for me there is no open accounts! I even have notation on Transunion that I am to be contacted before any thing is opened. I'm telling you that none of that took place and their response is we'll call the companies to see if it did?! How is some company going to tell you I did something when I just told you I did not! These calls had me so livid. I filed my complaint with my attorney general and recorded their calls to forward for my legal representation. The 1st rep told me he didn't even see any inquiries which was a LIE because I was logged in looking at them and he was just trying to get me off the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TN

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I have banked with Capital One since XXXX. We have a checking account and savings account that are joint accounts. We also have a XXXX XXXX account and a CD that are not joint accounts. We have tried for the last year to get Capital one to make sure that all of our accounts with their bank are set up as joint accounts just like our checking and savings account. For whatever reason and after numerous calls and hours spent on the phone with them, no one seems able to help us change these accounts to joint accounts. I have written to them and never received a reply. Just last week my wife spent over two hours on the telephone and spoke to various levels of customer service personnel and supervisors. But again with no results. My wife needs to be joint account holder on all of our Capital One accounts in case something was to happen to me for her to be able to access our funds at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc.
State: UT

Complaint narrative:
On my credit report it states that my balance with them is {$1100.00}. I NEVER recieved the money, but am being charged {$5.00} a month for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ), USDOE/XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6900.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I went to prison in XXXX! And they repo my truck and they are still reporting this as a miss payment each month. I need to know how to get this issue 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