vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SENT A LETTER OUT ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, equifax however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have three small problems with the credit card billing for my purchases in XXXX, where I live off and on with my nonprofit, Bank of America is fully aware of my using one of their cards in XXXX, but they do not permit me to file small disputes on line. They insist on my calling them, after having been warned that I can not call from XXXX and that they should not call me to my XXXX phone number, because I can not talk to them on the phone BESIDES, THERE MUST BE A WRITTEN RECORDO OF the BofA customer abuse, The disputes are regarding the grocery purchases as XXXX XXXX XXXX XXXX XXXX XXXX XXXX One of them is for around {$6.00}, another around {$22.00}, and another {$2.00}. All are about not receiving all the products for which I had been charged respectively XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes, it happens sometimes in XXXX XXXX : ( And it is not possible here to resolve any problem here after the money/payment had been processes, And the Bank of America is not helping either their customers or the XXXXXXXX XXXX economy by making life miserable tfor their US customers in the XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2024-05-26 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX 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 2024-05-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: MS

Complaint narrative:
My information was exposed due to the XXXX data breach. I have been having issues every since.

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 2024-05-26 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: MS

Complaint narrative:
My information was exposed due to the Equifax data breach. I have been having issues every since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
That claim my car was worth only XXXXXXXX XXXX but it was worth over {$7000.00} still worth around {$6000.00} today. They had a tow truck rip it out of my driveway. You all already order tmx title Max to pay for unlawful loans which mine qualifies for but I received nothing. They sold my vehicle probably for XXXX and claim they only made {$400.00} XXXX off of it and I still owe them yet it is still assessed by county today over {$6000.00} I got the price I bought it at just around a year before they tool it and sold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement trom me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.

Per code. 15 USC 1692 G

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX noticed a suspicious charge of {$280.00} from my Citibank checking account from a XXXX XXXX XXXX XXXX XXXX XXXX. I immediately reported the fraudulent charge but it was denied based on the fact that the charge was made with my pin and I stated my card had not left my possession. I have never been to XXXX state or any other state beside XXXX XXXX in more than 2 years. On XX/XX/XXXX, I filed a new fraudulent complaint on the same transaction.

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 2024-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am writing to submit a formal complaint regarding unresolved issues with my Coinbase account, detailed in case reference # XXXX. Despite multiple communications and assurances of resolution, my concerns remain unaddressed, leading to significant inconvenience and potential financial loss. 

Summary of the Issue : I have been unable to withdraw funds from my Coinbase account since XX/XX/2024, due to an error that prevents cashing out. Despite repeated attempts to resolve this through customer support, the problem persists, and my case was erroneously marked as closed without any resolution. Further, on XX/XX/XXXX, I was informed that my account would be closed, yet restrictions have been placed on my ability to transfer my balance, effectively locking my funds. 

Details of Interaction with Coinbase Support : XX/XX/2024 : Attempted to cash out funds; received an error message. 
XX/XX/2024 : Contacted Coinbase support; was told the issue was being addressed. 
XX/XX/2024 : Informed that my account would be closed but was still unable to withdraw or transfer my funds adequately. 
Coinbase has disabled selling, buying, and receiving crypto in my account and has now decided to close it. While I have been advised to transfer my cryptocurrency balance to an external address, this solution is impractical without the ability to convert to a more stable currency like USDC, as initially all funds were added in USD. 

This situation is unacceptable and potentially violates my rights as a consumer by restricting access to my own financial assets without clear justification or resolution. The total amount of the funds being held by Coinbase is about XXXX USD I urge the Consumer Financial Protection Bureau to intervene on my behalf to investigate the handling of my case by Coinbase. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information required as part of this complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-26 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.
State: FL

Complaint narrative:
This account was charged off on the following date : XX/XX/ Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26 00:00:00
Product: Credit reporting 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:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-05-26 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
i went to XXXXXXXX XXXX XXXX facility to get treatment, i provided my insurance and a proper claim was rendered and approved and paid by my insurance company to the XXXXXXXX XXXX XXXX billing department. i was informed by my insurance claim that the remaining portion of my bill due was {$51.00} a amount not covered by my plan. i never received a updated bill from XXXXXXXX XXXX XXXX. instead the charged my account {$210.00} not {$51.00} that i was responsible for after already paying {$35.00} co pay upon the day i received the treatment. i called XXXX Billing to try and resolve the issue and was unsuccessful. i then called my insurance company XXXX XXXX XXXX and was told they would contact XXXX  and help resolve the issue. that didn't help. so i spoke to my bank chase and asked for a returned of funds for the unauthorized amount, which they gave me and opened a investigation, chase requested more information so i called and spoke to a rep and he asked a series of question which i answered and offered to send the documents from the both XXXX and XXXX showing proof i was wrongfully charged {$210.00}. they said would contact in the documents where needed. i just received notice from bank that charges will be reinstated. i called the bank and asked for the reason, i was informed that there investigation statement was that serves where rendered and i liable for the amount charged. i informed the bank rep that i have filed a complaint with XXXX, and sent a legal letter to XXXX informing them that there actions are illegal and they are acting in bad faith and send false information to my bank, and that i would be filing this complaint, and pursuing legal action if left unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled copys of my credit reports and noticed FRAUDULENT INQUIRIES AND PERSONAL INFORMATION that needs to be DELETED within four business days of receipt of this letter and updated. Pursuant to 15 USC 1681c-2, I DID NOT originate nor authorize these fraudulent accounts to be reported to ANY credit bureaus. PLEASE SEE IDENTITY THEFT REPORT ATTACHED.

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 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: IL

Complaint narrative:
Evolve Bank and Trust via third party Banking App called XXXX. Paychecks are frozen and in limbo with no clear date as to when I can access funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: NY

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 

Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the banks associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 
Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 
I request that you promptly remove this account from my credit report, in alignment with the actions taken by other credit bureaus. Failure to do so will compel me to pursue legal action. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My information was exposed due to the XXXX data breach. I have been having issues every since.

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 2024-05-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX 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