vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Coinbase response given on XX/XX/XXXX to a prior complaint : " Dear XXXX XXXX, Review of your account shows that you have regained access to your account, as confirmed in support ticket # XXXX. While we consider your complaint resolved, we have determined that your customer experience was not up to our standards. Coinbase has credited your account XXXX XXXX in compensation for your unsatisfactory customer experience. Please reach out to our support team if you have any further questions. Thank you for your patience and cooperation with this matter. '' Sincerely, Coinbase Regulatory Response Team Coinbase did credit my " XXXX '' account {$25.00}, but that is not the problem account. My Coinbase traditional account, which is the first account that I opened with Coinbase is the Problem account. Given I have not been able to login to my traditional account since XX/XX/XXXX and the amount of effort I've made to get this resolved with Coinbase, the {$25.00} credit is like a smack in the face. I've made it clear time and time again to Coinbase that the only reason I opened a XXXX account was to hopefully use that account as some type of assist to get me back into my traditional account. So far, that effort has been a waste of time. 

Again, I DO NOT have a problem logging into my XXXX account. It is my Coinbase traditional account, which was opened on XX/XX/XXXX with my first purchase in this account being XXXX XXXX at a price of XXXX ( XLM ). 

My other holdings in this account include : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 

Coinbase has instructed me to only respond to the email thread below with any future questions, but I have asked dozens of questions over the past couple months using this email thread and I do not receive a response. Some of the questions are the same questions asked again and again. Due to this fact, I have attempted to file a new case numerous times, sometimes via my XXXX account as well, and each time I do, I receive this same automated response below. 

Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: TX

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-30 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: NY

Complaint narrative:
I was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an XXXX data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX ; and for Transunion- XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; and XXXX - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
every time i try to get a line off credit on my checking account navy federal refuse to give me on this is not the first i have tried so many time i have been a member with them for over 40 years, to me they are so hatefully company and they don't care about they customers its all about they money especially the CEO XXXX she don't care. and its sad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Sunday,XX/XX/2021 while working on my computer, a note came up from my credit card company, XXXX XXXX, asking if I just mad three {$600.00} charges to a XXXX company, I said NO, and they denied the charges, nothing hit my account, Than after a few hours, I got another note from Chase saying the paid three accounts that did look suspicious, but paid them any way. see attached info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: GA

Complaint narrative:
On XX/XX/21 a hard inquiry from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my XXXX, Transunion, and XXXX reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.

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 2021-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/21 a hard inquiry from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my XXXX, XXXX and Experian reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.

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 2021-05-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX ( same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX, Equifax, and XXXX credit reports. One pull was authorized the second pull was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: GA

Complaint narrative:
On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX XXXX same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX XXXX and Transunion credit reports. One pull was authorized the second pull was not authorized.

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 2021-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX XXXX same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my Experian, XXXX, and XXXX  credit reports. One pull was authorized the second pull was not authorized.

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 2021-05-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I filed a dispute with Equifax regarding a collection account that suddenly appeared on my credit report. I notified Equifax that XXXX XXXX XXXX XXXX XXXXXXXX XXXX randomly put this account on my credit report without notifying me of the account. I never once received a bill from XXXX or any other communication. I explained to Equifax that I called XXXX and they stated they had a previous address on record. I informed Equifax that XXXX, the holder of the debt, has my most recent address, which has been my address since XX/XX/XXXX. Equifax 's response to my dispute was only that the account was mine. 

The problem is, Equifax does not advocate for the consumer. There is no way a collection firm should be able to put negative information on someone's credit file without showing due diligence to recover the debt. There was no effort on the part of XXXX. XXXX previously placed the debt with the XXXX XXXX XXXX XXXX XXXX XXXX registered as XXXX XXXX. I arranged bill payments directly to XXXX XXXX. After several payments I was informed that XXXX XXXX no longer had the account. I had to have my credit union stop payment on 8 checks that had already been sent to XXXX XXXX and cancel the direct payment. 

When Equifax refused to remove the collection account I set up bill payments to XXXX, I have since received a letter from XXXX along with a check stating they do not have my account. At a minimum Equifax should have removed the item and informed XXXX that they had to make an attempt to resolve the matter without putting the derogatory information on my credit report. All of this time the item has been on my credit and I can not seem to get anyone to take my payments. 

I continue to file complaints about the credit bureaus. The credit bureaus are for profit and that is in direct conflict with the decisions they make when making decisions about a consumer 's credit. They are essentially working for big institutions. They pedal credit cards for banking institutions and other products. The credit rating system is corrupt and it can adversely impact people 's lives greatly. It affects where they live, work and what they can purchase. Credit impacts whether or not a person can get life insurance. That much power should not be allowed without strict regulation. They should not be able to work for those entities holding debt. It is just being bullied and ganged up on. There is nothing fair or just about the credit bureaus. Why is there such a high burden on the consumer to disprove the information on the credit report and no burden placed on the company? The credit bureau merely asks the question and whatever they are told that is the end of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
A few years ago I paid off my XXXX XXXX XXXX  which was financed through GMAC. It is my understanding that Ally Financial has taken over the remnants/accounts of GMAC. I contacted Ally Financial beginning XX/XX/XXXX to obtain a " lien release form. '' Since I do not have an account with Ally, I am unable to complete any of these processes on line. Everything must be done via telephone call and U.S. Mail. On XX/XX/XXXX I provided my name, address, VIN # to the person at Ally, spelling the name of street, providing the complete mailing address, and I was told I would receive the lien release request form within 7 to 10 days. ( Reference # XXXX ) Three weeks later, on XX/XX/XXXX, I did not have the form so I called back and spoke to XXXX ( Reference l # XXXX ). I was told the form was mailed on XX/XX/XXXX but learned after questioning that they did not use the complete address -- leaving off the suite number and box number. Therefore, the form would never reach me as my mail box is located within a strip center and the suite number is an absolute necessity. I was then told the form would be mailed out again to the correct address and that I should expect it within 7 to 10 days. On XX/XX/XXXX, after not yet receiving the form, I contacted Ally Financial again and spoke to XXXX. She informed me that the form was once again mailed, confirming the correct address, and then told me to " give it a little more time. '' When I asked her where the form was being mailed from, she said " the Title Department '' and when I asked the location, she put me on a 3 minute hold and after returning to the call informed me the form was mailed from XXXX, MD. 

I am experiencing financial hardship due to the COVID pandemic and I am in urgent need of selling my car. This delay on behalf of Ally Financial is causing me undue stress and unnecessary pain and suffering. Even after I do receive the lien release request form, I am concerned -- with their demonstrated incompetence -- that they will further delay my securing the lien release ... causing even more financial stress and strain I need assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brown and Joseph, Ltd
State: NC

Complaint narrative:
Brown & Joseph, LLC has sent numerous notices requesting payment for an insurance policy that has been cancelled with the XXXX XXXX XXXX and has been confirmed cancelled with nothing owed by both XXXX and our insurance agent, XXXX. We have provided that information to Brown & Joseph on numerous occasions, yet there communications and requests for payment not owed persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: IL

Complaint narrative:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : XXXX. This is a duplicate account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading 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