vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AR

Complaint narrative:
Square told me last Tuesday my funds should be sent to my account within 48 hours and its been nearly over a week now and I still havent gotten the deposit this is the second time I contacted CFPB about the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2021 I received a call regarding unusual charges made to my credit card. I responded they were not mine. On XX/XX/XXXX I received a letter they were holding me responsible for the charges. Calling me a liar. I filed a police report for identity theft on XX/XX/XXXX after sitting in the bank for hours trying to resolve this. The officer who has the case has at least 2 films of a man with a face mask and hat using a card that had been made from skimming my card since I always had my card in my possession. Went back to the bank and sat for hours more with no outcome. Last I heard from speaking to customer services was that they havent determined if they are going to reopen this. They want me to pay minimum which I did once but will not do so again probably ruining my credit. I just want the bank to refund my {$35.00} and be done with it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13 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: MA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXXXXXX XXXX XXXXh and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent a letter to all 3 credit bureaus to get my old information removed ( name, prev and incorrect address ). However they refuse to update my 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 2021-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a hard inquiry on my credit report from XXXX XXXX XXXX. I never applied for a loan with the XXXX, this is fraudulent. I requested Experian research and remove the inquiry three times and all three times they did nothing. Their form letters and responses are impossible to decipher and they refuse to provide any supporting information from the lender to show the inquiry is valid, instead they claim it is up to me to prove it is fraudulent. That is ridiculous. If Experian placed the inquiry then it is up to them to substantiate it or remove it.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent a letter to all 3 credit bureaus to get my old information removed ( name, prev and incorrect address ). However they refuse to update my 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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Had issues adding funds from my XXXX account which had more than adequate funding. Coinbase, the recipient, had no customer support available. It is a 24/7 operation. 

Coinbase systems had issues recognizing the added account. It was not visible on user screen. The app and web browsers needed to be cleared and rebooted for the new account to appear. Coinbase uses a third party to accept username and password to the bank the client is adding. Coinbase still retains access to this information. 

The issue was submitted to Coinbase support three times. Reference Cases : XXXX, XXXX, and XXXX. 

Coinbase decided to allow 3 transactions in the total amount of {$610.00} and then returned to this client stating that there was a problem retrieving the funds. Today, XX/XX/2021, they removed monies from my account in excess of expected balance in an attempt to recoup funds that they cound not retrieve from XXXX. Monies could not be transferred into their system to balance the account to their wishes as their failed monetary transfer system failed! They have cost me potentially hundreds of dollars, there is no customer support and cryptocurrency is highly volatile. This client account holder has done absolutely nothing wrong. The systems failed to act according to design which is Coinbase 's responsibility. Coinbase owes me {$700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: OH

Complaint narrative:
Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by Equifax, XXXX XXXX XXXX have caused my harm as I am trying to maintain my finances during the COVID pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
XXXX XXXX Account # XXXX Per Federal Law based on previous requests for validation this company never properly provided 5 required items accordingly to congress to properly substantiate alleged debt. Furthermore, pursuant to permissible purposes of consumer reports I as the consumer never went into a contractual agreement with Credit Management or gave written correspondence per USC 15 1681b ( a ) ( 2 ) to furnish my information. I currently have an account with XXXX XXXX and was advised that when this account was opened that there was no outstanding debt which allowed me to be able to obtain service with them. No company would allow you to obtain service considering there was an outstanding debt owed. XXXX XXXX providing my personal information without my consent is a violation of my privacy as a consumer. 

Credit Management never provided proper validation of debt which is further violation. In addition to this error being on my consumer credit report I have been denied housing for myself and my family and have lost out on interest rates and funding as a result of this showing on my consumer report WITHOUT my consent. Proper comment coding was never placed on my account to accurately reflect that the account was in dispute and to add insult to injury this deranged collection company has committed identity theft by reflecting my information illegally. Please provide proof of contract between myself and Credit Management and proper validation of said debt. I'm prepared to go to the highest level and have all paperwork regarding his this erroneous reporting and alleged debt has affected myself and my family. Credit Management has countless violations and I will be sending notification directly to the company outlining these as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I have received a response from capital one bank in regards to my vehicle loan. Pursuant to the contractual agreement this company has already received the amount financed on my behalf and this is false and misleading deceptive behavior stating I am at default and will repossess. I have never been given the right to rescind nor was I informed that I do not have the right to rescind. This company has failed to disclose that the finance charge is the sum of all charges and the down payment is included in the finance charge ; 15 USC 1605. There is no cash comparable in a consumer credit transaction. 12 CFR 1026.4 also states The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. This is a direct violation of contract which makes it void and null where no further payments are to be made on a voided contract. I have put down {$8000.00} according to 15 USC 1662 ( 1 ) advertisement of down payment and installment that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor USUALLY and customarily arranges credit payments or installments for that period and in that amount. This company has continue to enforce a billing error on the consumer 12 CFR 1026.13 ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). I am the consumer who am the only blood and flesh living being can validate a debt this is not an OBLIGATION of the consumer to continue to pay and and I am requesting on the disputed account that all payments are returned to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
XXXX XX/XX/2016 Collection was reported and placed on consumer credit report. Several attempts have been made to get company to report correct information, but all cooperation with that company has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A XXXX  XXXX account was opened in my name this last XXXX that I had no idea about, also my wallet was stolen a while back and I did cancel the cards but someone was able to run up the bills on my card and now the accounts are closed and being charged off. Im XXXX and never dealt with something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I contacted the company in XXXX to dispute a fraudulent account in collections but they have ignored my police reports, affidavit, and FTC report and continue to report the inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation