vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In a perplexing turn of events, I discovered unauthorized inquiries attributed to Chex Systems littering my credit report, tarnishing its once pristine state. These unwarranted entries, like blemishes on an otherwise flawless canvas, spoke of a narrative I had no part in. Moreover, the manner in which Chex Systems reported my financial history was riddled with inaccuracies, painting a distorted picture of my creditworthiness. Fueled by a sense of injustice, I embarked on a rigorous dispute process, invoking the protective shield of the Fair Credit Reporting Act 's 15 U.S. Code 1681e ( b ) clause, which mandates the accuracy of credit reports. With meticulous attention to detail and unwavering determination, I demand the removal of these erroneous entries, seeking to restore the integrity of my credit profile and uphold my rights as a consumer.

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 2024-05-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX has placed an account on my credit report stating that I owe them almost XXXX and I do not. They refused to service their equipment in 2023 and then placed monies on my account stating that I did not pay a bill. The equipment went out and they did not fix it. I called and sent their letter ( that they sent me ) stating that I do not owe them any money and they still will not take the amount off by credit report. 
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 2024-05-08 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: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASE - Asking for help since XXXX of XX/XX/2024 ( online Cases ) and since XXXX XXXX via XXXX Dear Sir/Madam, I am writing to seek assistance regarding an issue I have been experiencing with Coinbase, a cryptocurrency exchange platform. Despite numerous attempts to resolve this matter directly with Coinbase, I have been met with a lack of response and assistance, leaving me unable to access my funds. 

I am a verified user of Coinbase and possess a valid user ID and password. However, I have lost access to my two-factor authentication settings, which has prevented me from logging into my account. Despite reaching out to Coinbase for help over the course of several weeks/months, I have not received any meaningful assistance or resolution. 
Coinbase 's website suggests an alternative method for verification through ID verification. 

However, when attempting to complete this process, I encountered a message indicating that my country/region is no longer supported by Coinbase, further impeding my ability to regain access to my funds. 

As a result of Coinbase 's failure to provide adequate support and assistance, I find myself in a distressing situation where I am unable to access my funds. I believe this constitutes a serious breach of customer service and raises concerns about Coinbase 's adherence to consumer protection regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention to help facilitate the resolution of this matter. I seek assistance in ensuring that Coinbase fulfills its obligation to provide timely and effective support to its customers, allowing me to regain access to my funds without further delay. 

I have attached relevant documentation, including communications with Coinbase, for your reference. Your prompt attention to this matter would be greatly appreciated. 
Thank you for your attention to this urgent matter. 

I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed fraudulent activities on my account. This is hurting my ability to obtain credit.

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 2024-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I looked at my Equifax credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts listed below are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable 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. And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts listed below : XXXX XXXX Account XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> shows a late payment, I don't know the amount they claim I owe for that month. 
Its for my XXXX Credit Card. I was setup on a payment plan because I was laid off. XXXX had agreed that I pay {$180.00} for XXXX  months to give me time to find a job etc. I paid as agreed. XXXX stated that they don't report to credit bureau while payment plan is setup. I contacted XXXX through email to ask about the late payment. They said tgey never reported any late payments to the credit bureau and I needed to speak with the credit bureau. I tried disputing online attaching the email correspondence between XXXX and XXXX. I was declined saying information reported is accurate. I then wrote letters asking the credit bureau to remove the late payment and I have received notification that info is accurate. This late payment is XXXX  my credit score. I will be trying to buy a home. XXXX help me get this mistake removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/24 I called to find out what the minimum monthly payment needed to be to pay off in XXXX yrs ; they told me {$100.00}. I had to call them as their bank statement does not provide this type of information any longer. XXXX I called to check since the bank statement says minimum payment due was {$100.00} and the minimum payment due warning says it would take 16 years to pay balance if only making minimum payment. Their customer service rep said it was not an accurate note on the bank statement and was exaggerated figure. She also said the minimum payment I was currently making was applied to a 5 year repay plan based on the XX/XX/24 call. I only work on 3 year repayment plans, so they had it wrong or intentionally wrong. Today, they told me {$130.00} p/month based on existing balance minus ~ {$50.00} mo interest charge would be the minimum amount to pay off {$2600.00} balance in 3 years at rate of 25.9 %. This is too confusing and lacks appropriate details. The texted me a disclosure to accept new payment plan today {$130.00} for 3 years which I accepted. But given their track record on this, I am not fully trusting this will be correct. Why are they no longer displaying a 3 year repayment option on their statements? I though Obama administration via CFPB had enacted these changes? Is this wrong? Thank you, 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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The XXXX should add negative stars, so we can add a review to companies like Synchrony. This is not a Credit card and XXXX services ; this is plain and simple 100 % scam. 
My case relates for me requesting a loan to pay for service at home on XX/XX/XXXX. I was granted the loan very quick ( first sign, no loan plans creditor will approve so quickly, Synchrony is very fast to loan you the money so this company scamming the moment you start ). 
I called this company to create a payment plan so it can be deducted automatically from my Bank. Inclusive, I requested to pay over the minimum amount needed ( 150 % more than the minimum monthly requested ). Months passed by and XX/XX/XXXX came in and with my XXXX return, I decided to pay this reminder balance off. 
After making the payment for the full amount, a week later I received an regular mail stating that Synchrony was closing my account because the amount owe exceed the balance owed and Synchrony was reporting my profile to all credit report because I failed to make payments to my account and the account was deficient I failed to make payment to my account!! 
How an account becomes delinquent when the account is paid automatically and then paid in full before the Synchrony expected to be paid off?

I called Synchrony and I got the normal run around. I spoke with people from XXXX XXXX and XXXX for XXXX hours trying to solve the issue and get a hold of a XXXX. The next day I finally connected with a underwriter XXXX ( She does not deserve the title of XXXX, but Hog ) After pleading my case, she asked me if I was finished and hung up. 
After all this drama, my credit score went for good to bad. 
I am a Combat XXXX Veteran. 
THIS IS NOT WHY WE FOUGHT FOR!! 
This is not how the United States of America conducts business, this is not an example of exchange of Payment for Service where the Harmony of good faith resides and it is the base of Trust.

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 2024-05-08 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: AL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
About on XX/XX/2024, I got a letter from XXXX XXXX XXXX XXXX that I had a balance with PayPal credit card company. From the later, I figured out that the bank I need to contact for this matter is Synchrony bank. I looked up the website and got the phone. I called and explained that I have never opened a PayPal credit card. Synchrony bank started investigating the matter. The result was the account was unauthorized opened by someone else. I asked what I need to do with the letter from XXXX XXXX XXXX XXXX, the answer was I would not need to worry about that because Synchrony bank already sent a notification to XXXX XXXX XXXX XXXX. 

On XX/XX/2024, I got a notification from the XXXX court that XXXX XXXX XXXX XXXX has sued me for the unpaid balance. I called the Synchrony bank again and I got the same answer that the account was unauthorized opened and that the bank already senet a notification to the XXXX XXXX XXXX XXXX. I asked the bank sending me a letter as a proof that the account was unauthorized opened. Synchrony bank did send me a letter. I sent a copy to the court and to the XXXX XXXX XXXX XXXX to request that the case should be dismissed. 

I am currently working out of state. To show up at the court requires me to take 3 days off. From my earning, each day is about {$300.00}. Three days plus the air ticket would cost me about {$1000.00}. 

I have called XXXX XXXX XXXX XXXX and reported that I already sent in the proof provided by Synchrony bank. The employee from XXXX XXXX XXXX XXXX verified with me she received and that she would handle it to her XXXX. 

I have not heard from XXXX XXXX XXXX XXXX and I would like the case is dismissed. 

Attachment is the letter from Synchrony bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Last XXXX my student loans were transferred from Nelnet to XXXX for PSLF. Nelnet is still showing open accounts on my credit report with still having a balance for student loans that have been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-05-08 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: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please see screenshot attached : Sincerely, 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