vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
XXXX Dear Sir or Madam, This is my FOURTH complaint to the CFPB and FIFTH attempt with Experian directly. I personally contacted Experian in writing four previous times with my signature authorizing them directly to resolve this issue. 

I have attached each of the for Proof of Delivery notices that show they signed for these letters, ( two in XX/XX/2021, one in XX/XX/2021, and one XX/XX/2021 ). 

In addition to sending these four letters, I called them three times total, including one call today. Each time I spoke to them on the phone, I tried to authorize them to proceed. They told me that they had not received my dispute letters that they obviously signed for, nor the complaints via CFPB.

Below are the CFPB complaints previously filed with the final status, all indicating the company needs my authorization to proceed. This is utter nonsense that they keep responding with this when I have made every attempt to authorize their finishing this investigation! 

As you can see, this dates to XXXX of this year, putting this far past the 30 days the law states ( 15 US Code1692g ), Experian has to resolve my dispute. This is causing me a lot of stress and this needs to be resolved! 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I submited a complaint to bank of America # XXXX and its been more then 60 days and I haven't got a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT FILE THAT I DISPUTED WITH THE CREDIT BUREAUS SEVERAL MONTHS AGO AND I STILL HAVE NOT HEARD BACK FROM THEM REGARDING THIS ISSUE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT FILE THAT I DISPUTED WITH THE CREDIT BUREAUS SEVERAL MONTHS AGO AND I STILL HAVE NOT HEARD BACK FROM THEM REGARDING THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
Hello I keep getting the same generic response saying that the account has been verified and accurate but the information is still inaccurate on my credit report under FCRA all information must be true and accurate and if not must be deleted. Please delete this from my credit profile immediately and send me a updated version of my report XXXX XXXX XXXX  is reporting as a charged off account but has been sold to a collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TN

Complaint narrative:
Iver been a victim of identity theft

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: GA

Complaint narrative:
At least for the last nine ( 9 ) months, may be more, every month I have a fraudulent charge on my credit card account. 

For the long time I was not able to understand how it could continue as credit card company was canceling my credit card, and replacing with a new one with new account number.

I believe it is connected to a " subscription service '' they are selling, so criminals are informed about change in credit card number.

My requests for : 1. Reject any charges without physical presents of my credit card or 2. Stop including my credit card information into " subscription service '' they selling were rejected. 

I believe the credit card company negligently engaged in supporting wide spread credit card fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I have faxed in information proving I have made my car payments. XXXX XXXX directly faxed this information to credit acceptance. XXXX XXXX has confirmed payments were made, payments were not returned back into my account. Credit acceptance verified they received this information, but is now asking for more information and bank statements for months I have made payments. What does this have to do with the payments they are claiming I didnt make? They are claiming my payments from XXXX and XXXX were returned in XXXX which makes no sense. XXXX XXXX verified this did not happen. XXXX XXXX verified these payments were made and proof was sent to credit acceptance. They are refusing to update my account to reflect this information. They are reporting my account is not in good standing. This is affecting my credit AND I had to make a payment to stop a repossession on my vehicle! This is ridiculous and it needs to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I am writing with regard to three late payments reported in XXXX, XXXX and XXXX of XXXX. I lost my job at XXXX  XXXX XXXX in due to COVID-19. As a result, I missed my XXXX payment. I continued to make one payment as I could monthly, but because of the first missed payment, it shows that I continued to be behind one payment. A payment was made on XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX, ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), and XX/XX/XXXX XXXX {$330.00} ). I contacted Credit Acceptance shortly after I lost my job to inquire about payment options due to COVID, and I was told and received a notification that payments would still be due and that nothing could be done. I called again, explaining everything above, and was told by a male representative that I should dispute the missing payment with the credit bureaus. I did so, and the dispute was denied. I called again after this on XX/XX/XXXX, and was told by a representative that my account was placed under the COVID protected status, and that she did not understand why the payments were reporting late because of the status. I have done my research, and have found that many customers are being affected by the late payments being reported while in the COVID protected status. 

The late payments, reporting with all 3 bureaus, have caused my credit score to drop severely. I have been able to get a better job with a new company, and have been able to get back on track with my auto loan payments. I am in the process of purchasing a new home for myself and my two children, and it has come to my attention that the late marks prevent me from taking full advantage of the best interest rates available. I am requesting that you please give me a second chance at a positive credit rating by revising the late payments. I sincerely hope that there is redemption at Credit Acceptance, and I plead for such consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
I had an account with Coinbase for a short time. I tried to withdraw my money, but due to the deceptive way their website is set up, I actually transferred more money to them. I tried to contact customer service and they didnt respond. I Finally found out how to close my account and I did on XX/XX/2021. It is the XXXX of XXXX and my funds ( XXXX US dollars ) have still not been deposited to my bank account. Multiple customer service messages have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The company. Credit Acceptance doesnt have a charter, functioning illegally and unlawfully. There is no original contact with my or my son, XXXX XXXX, autograph signature. Therefore Credit acceptances representatives collected payment under fraudulent actions. The alleged debt was disputed through notarized letter XX/XX/2021 and sent certified mail, return receipt XX/XX/2021. The company did not prove the alleged debt by satisfying our request for proof. Violation of The Fair Debt Collections Practices Act. The company proceeded on XX/XX/2021 to seize property & through coercion forced XXXX XXXX, secured party to immediately pay to have property released an back to him causing disruption and distress to his livelihood. 

I filed a complaint to you on XXXX XXXX, undersigneds behalf at the end of XXXX with XXXX XXXX as Additional Point of Contact which is on your website contained in the full complaint # XXXX, STEP 5 ; The companys response was sent to my email and continuously I attempted to open it to no avail. I emailed you, spoke to XXXX, XXXX and Ms.XXXX who the latter two said I am not authorized because my name is not on the complaint. I have print out proof as me being authorized. So your error has prolonged this problem & Credit Acceptance has continue to move forward in fraudulent actions. 

I have reached out to legal support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
OnXX/XX/2021, I was notified by an alert on XXXX that a collection was placed on my credit report. GC Services was the collector. I was NEVER contacted by GC services about a debt nor did I receive a dunning letter from the collection agency. This is a violation as they did not give me the right to dispute this debt. This collection needs to be removed from my credit report immediately. The collection agency does not even have my address. This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
XXXX THIS IS THE CASE NUMBER FROM PREVIOUS COMPLAINT HAVE MORE DOCUMENTS TO UPLOAD FOR MY ORIGINAL COMPLAINT NOW IT APPEARS DISCOVER IS STATING THEY NEVER RECEIVED THE ORIGINAL REQUEST FOR MY TAX RELEASE I AM A VICTIM OF IDENTITY THEFT AND ORGANIZED STALKING SINCE DAY ONE GOING ON XXXX IN XX/XX/2010 I HAVE BEEN TRYING TO EXPOSE THE CORRUPT AGENTS AND AGENCIES INVOLVED FOR THE LAST THREE YEARS YOU CAN XXXX  XXXX XXXX XXXX XXXX XXXX AND ORGANIZED STALKING FOR VALIDITY ITS AMAZING SINCE THEN ALL THE PROBLEMS I HAVE IDENTITY THEFT BOGUS ACCOUNTS GETTING DELETED AND PUT BACK ON NOW BEING VERIFIED EVEN BOGUS EMPLOYER T P TOOLS LAST TIME I TRIED HAVING THIS REMOVED ALSO BEING VERIFIED AND I CONTINUE TO HAVE TO PROVIDE DOCUMENTS SO BOGUS ACCOUNTS CAN BE MADE AND UPLOAD MY RECENTLY PROOF OF IDENTITY OR MAILED OR FAXED WHILE EVERYTHING NOW BEING REPORTED AS VERIFIED ALSO AMAZING SINCE TRYING TO EXPOSE THESE PSYCHOPATHS INVOLVED IN THIS DOMESTIC XXXX  PROGRAM I HAVE NOTHING BUT PROBLEMS WITH CREDITORS NOW DISCOVER IS STATING THEY DIDN'T RECEIVE MY RELEASE THAT I DID LIKE AFTER TWO DAYS OF RECEIVING IRS RELEASE TAX DOCUMENT SO IM UPLOADING MORE DOCUMENTS TO THE ABOVE MENTIONED COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
This is a debt I have that I asked the debt owner rapid loans to stop calling me and my relatives a A cease and desist. They are continuing to phone everyday and text me as well as email me. Now the other day XXXX recalled me from rapid loans then emailed me afte tried explaining to him that I sent A cease and desist written as well as text as well as email. He explained to I broke the law that committed felony and that he was going to report me to the cops since I didn't work out a Payment option. I explained to over and over and says he keep writings me and give this information over to the police. He called me a fraud person. He told I intended to do this on purpose. My add on XXXX says has lean on it why they only gave me XXXX for the csr it alot body damage to it. Now man from rapid loans call me criminal and Threaten me to Have all the emails still from him as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: LoanCare, LLC
State: CA

Complaint narrative:
I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that Loancare has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However Loancare has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact Loancare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a {$4800.00} credit with American Express that they owe me. Since the XXXX of XXXX I have been trying to get a refund so I can close my account. They said they could only issue a check A wire transfer directly to my bank would cost me. They supposedly issued a check on XXXX XXXX. I was told they would expedite it and should have by end of week. No check, called was told i got wrong info takes 5-7 business days. Waited still no check then told no 7-10 business days. Have still seen NO CHECK! called talked to a supervisor XXXX and he said he would initiate a wire transfer and expedite it so should see it in my bank no later than XXXX No money. Called yesterday the XXXX talked to a supervisor said it showed was initiated on Monday but would take 3-5 business days, lied to again! Told them that was not ok I needed my money, they expect theirs on time. Called today was told no supervisor available right then but she said she would call back in 1-2 hours. no call so called again then she was in a meeting ( after waiting another 2 hours. Just talked to XXXX who was XXXX finally talked to XXXX who said they just initiated the transfer yesterday! now again 3-5 days. This treatment is NOT ok. I pay XXXX $ per year and extreme high interest rate that even with an above XXXX credit refuse to lower. I have been extremely mistreated and LIED to time and again. Is this how they earn there money? I guess there stock holders and President don't care as long as they get there big dividends. Something should be done if you really care about the people you should care about. It is your job to protect the consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXXoinbase account was taken over. I notified Coinbase and they have been vague and non compliant regarding my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation