vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
-- I did 6 wire transfers from my XXXX XXXX checking account to my Coinbase account and then from my Coinbase to an app called XXXX. 
This happened between XX/XX/XXXX and XX/XX/XXXX. 
l met a man from a dating app called XXXX XXXX. His name is XXXX XXXX. We talked from XXXX XXXX. His phone number is XXXX. He says he is a banker expert and he will teach me XXXX to do a short trading investment through Coinbase and XXXX. At that time l XXXX  XXXX and it shows that app was legitimate, that is why l decided to downloaded the app by the XXXX XXXX because l have an XXXX. l started with {$10000.00} and l made {$1700.00} at the first time. l was able to withdraw the money to Coinbase. l did everything under his lead, sharing screenshots from my phone to his what's app. One day, l do not know exactly when, he told me to apply for a campaign in XXXX, because according with him l could earn more money from that under his lead. l did that on the XXXX app in the customer section. On XX/XX/XXXX, he told me to withdraw my money because the trading figures were not good. I did the withdrawal but it was taking longer that we expected according to him. He told me to contact XXXX customer service. l contacted them and they said that l can not withdraw the money because l did not make the campaign so, I had to pay the 10 % penalty fee ( {$18000.00} ) to get my money. l asked them to take that money from my account and they said they can not do that because that was illegal. I talk to that man and he said that l should try to get that money to withdraw my funds. I did a loan in XXXX XXXX XXXX for {$22000.00} that money l spent on that and additionally l got a loan from XXXX. l got in total from XXXX and my salary {$4000.00}. I added that money to XXXX, but still l needed {$14000.00}. He told that he will help me. Suddenly, on XX/XX/XXXX that man blocked me from what's app. On XX/XX/XXXX l went to open the app and it did not open. l went to XXXX again and l found that the app XXXX is a scam. l was able to open the app later that day, until now l can contact XXXX customer service and they say just the same about the penalty fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am profoundly concerned and completely discontent with the developments in my credit report. Kindly remove any indications of late payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on these accounts. I earnestly seek your assistance in promptly updating this 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried time and time again to get these reporting agencies/ and the furnishers said inaccurate information to investigate and remove the these accounts being furnished in my credit report.

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 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner which is fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and is relevant. The continued reporting of such information means improper utilization of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please eliminate this account from my records as it's not associated with me, and I'm highly disturbed to see it reflected on my credit report. I express my disappointment with the company for subjecting me to this situation and urgently insist on the removal of this entry from my credit history. This is unequivocally not my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am profoundly concerned and completely discontent with the developments in my credit report. Kindly remove any indications of late payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on these accounts. I earnestly seek your assistance in promptly updating this 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
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. Upon reviewing my credit report, I discovered inaccuracies regarding late payments that do not align with my consistent history of timely payments. XXXX  CREDIT XXXX and XXXX XXXX CREDIT XXXX I believe there may be an error in the reporting and kindly request a prompt investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In early XXXX, XXXX I received three letters from Wells Fargo regarding their Checking Add on Package which I had not originally authorized. The letter gave their toll free phone number to call. I called their number at XXXX and I received three ( 3 ) reference numbers. Reference Number XXXX for a check payable to me in the amount of {XXXX. Reference Number for my partner. 
Reference number : XXXX payable to him for the amount of {XXXX  and also for my partner, Reference number : XXXX payable to him in the amount of XXXX I was told on several occasions that these Checks, Payable to myself, and my partner would arrive in 30 days, by XX/XX/XXXX. It is now almost XX/XX/XXXX and those 30 day promised checks have NOT ARRIVED as promised. They keep telling me that they are the in process and/or pending status. It is now going on XXXX months later and NO PAYMENTS HAVE ARRIVED. You can reach and call Wells Fargo at Wells Fargo Complaint phone number : XXXX. Give to them the three reference numbers. I demand that Wells Fargo mail these checks to me immediately.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquiries are suppose to be removed after 2 years. XXXX  XXXX XXXX has been there for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis due to a lack of response following my dispute submission on XX/XX/23. Despite disputing several items on my consumer report, I have not received any communication or resolution from LexisNexis. 

The disputed items include incorrect names, addresses, and two public records that I believe are inaccurate. I have attached a copy of my dispute letter once again for your reference. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The situation in my credit report is causing deep distress and profound disappointment. It is not only highly embarrassing but clear that either you or the company is accountable for reporting this inaccurate information. Please remove any late payment notations and update the status to " paid now '' or " as agreed. ''

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TransferWise Ltd
State: NJ

Complaint narrative:
I had requested multiple times that I not receive my money as they closed my account but they never sent any money to my account or provided any proof of transaction record. Their appeal department has stopped responding to my email inquiries as that is the only way to contact this bank. they have stolen my money

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/ I reported to my bank that there is an anuthorized user listed on my account that I am unfamiliar with and never received notice that anyone was added. USAA initially told me they would investigate and respond within a week. When I followed up, they changed their story to much longer. They told me the person added does not have access to my account and USAA will reach out to me with their conclusion. Approximately XX/XX/ I called back with an update for my report. This added party still had access to my account and USAA still did not address my concern. The representative blocked my account preventing anyone else to be added and was not sure why no one took these steps previously. They reassured me that USAA is working on this and I should hear from them any day. Today, XXXX XXXX I called to follow-up since I have not heard from the bank. This unknown person is still on my account! The representative also notified me that they had complete access to my account, which completely contradicts my previous call. She reviewed the account and stated the case is closed and she has no further details for me. She stated no one ever notified me and shes unsure why. I am in total shock that USAA does not have any safety measures in place and allows for strangers to add themselves to your account without any verification or confirmation from the account holder. I feel like they acted foolishly in addressing my concerns and passively dismissed each one. I feel extremely insecure in holding USAA as a bank responsible for my finances.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian due to the lack of response following my dispute submission on XX/XX/2023. Despite disputing specific items on my credit report, including XXXX ( XXXX ) and two bankruptcy references ( XXXX and XXXX ), I have not received any investigation results from Experian. 

I am including a copy of my dispute letter for your reference and as proof of my attempt to address these inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information on my credit report

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}

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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please eliminate this account from my records as it's not associated with me, and I'm highly disturbed to see it reflected on my credit report. I express my disappointment with the company for subjecting me to this situation and urgently insist on the removal of this entry from my credit history. This is unequivocally not my account!

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