vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I've been using Coinbase Pro before, I can withdraw my BTC ( Bitcoin ) but now I can't. They're reducing my daily withdrawal without any notice, and can not be changed even I requested. My BTC stuck forever. I've tried contacting the support but only automated reply. I did search the internet, there are 2 - 5 guys having the same problem and no customer service was available to help even for several months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This acounts i never opened them they are not mine and someone else used my name so this are fraudulent. Please remove them from my credit report as soon as possible. XXXX! XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$1600.00}. XXXX XXXX XXXX, XXXX # XXXX XXXX, amount {$570.00}. XX/XX/XXXX XXXX, Acount id : XXXX amount {$590.00} XX/XX/XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$7100.00}. XXXX, subject loan # XXXX, amount {$5000.00}. Im disputing this again and please take this off my credit report from XXXX, XXXX, XXXX. Thankyou for understanding and your help really appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: OH

Complaint narrative:
This account is paid. In full. Never received anything from a collections company as it states on my credit report Collections/ Charge off. I took out a {$800.00} loan for XXXX and paid it off. I was not notified about collections or anything. And even sent emails to apply again for another loan so I am confused here. Not sure why this negative remark is on my report. And this is the only thing stopping me from A morgage is a old loan in 2016 for {$800.00} when I was a single mom to help with XXXX and paid back this loan with tons of interest all to get a negative remark. Pretty frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company XXXX is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.

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 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I noticed that funds were transferred from my XXXX Account to my Cash App-Square Account-XXXX XXXX. These two transfers occurred very close together time wise. I was able to disable the car that was linked to this account. At the time this appeared to be the route to mitigate any possible damages that may occur with unauthorized use of such accounts. On XXXX XXXX I spent nearly 4 hours making phone calls, sending emails, and researching some way to contact the party to whom it is necessary to speak with when such activities are occurring. Some time during this extended time trying to contact said organization, the card was un-disabled. 

It was my hopes in such a frantic attempt to directly communicate with such appropriate persons -- TO MITIGATE ANY AND ALL POSSIBLE LIABILITY associated with this incident. I also attempted to contact appropriate persons via the aforemematioend ways during the following 8 days. I WAS NEVER ABLE TO SPEAK WITH OR DIRECTLY COMMUNICATE WITH ANY SUCH PERSONS. The only option that was avail was to submit issue via the transaction log via the app. No confirmation email was given at such time. I was never followed up with. The case auto closed in 3 days. The resulting funds that were transferred into this account were used through a series of unauthorized transactions that occurred over the next few days. Such authorized transactions have been attached to this complaint. 

Said organization have violated ( but certainly not limited to ) Regulation e andf z of the Electronic Fund Transfer Act and the Truth in Lending Act, respectively. The aforementioned provides a process for such occurances, These processes are such that such institutions MUST FOLLOW them, or otherwise be in violation. Not only did said institutions not follow such processes they did not even give such reasonable access to such processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Didnt receive letter of debt attempt to be collected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: GA

Complaint narrative:
Experian is continually reporting inaccurate and dishonest account information for several accounts and the claiming to have verified the information. They have incorrectly reported address and accounts that are not mine and after I dispute according to the Fair Credit Reporting Act, they still say they the information has been verified but how? For instance a bankruptcy that was discharged in 2016 is reporting incorrect but they claim to have verified from the source. That is a lie the court does not verify any consumer information with the credit bureaus. They have been provided with that statement over a year ago to no avail. XXXX  removed this bankruptcy from my report a year ago with the same information sent to Experian and it still remains. They are reporting cars that arent mine saying verified and it is ruining my credit rating and ability to qualify for an affordable mortgage for me and my children. Im exhausted with going back and forth with Experian. One day they remove the inaccuracies the next week they put it back again NEVER provided the actual proof that it has been verified after over a dozen request to furnish that information by law. I want all the accounts Ive again disputed REMOVED and not put back without verification proof of ownership a copy of my signature contracts signed or other proof. They can not continue to ruin lives reporting inaccurate information. I have been a victim of identity theft Ive taken all the necessary precautions froze credit added fraud alerts for years as well as sent copies of bank statements and social security card as proof of identity to no avail. Also I cant access my free Experian monitoring account because they are charging {$15.00} just for me to review my credit. Im so disgusted with Experian charging you to access your credit when it should be free. So now I cant log in to see more inaccurate information unless I pay. SMH

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
This company Sezzle is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I rec 'd a letter from NY State Dept of Taxation and Finance stating I never paid my XXXX quarterly taxes. I paid all of my quarterly taxes through Chase on line banking. These are the 4 payments : XX/XX/XXXX transaction # XXXX in the amount of {$440.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$450.00} All of the amounts were deducted from my checking account. I went to my local Chase Branch and they told me they could not get me copies of the cancelled checks that NY State was requesting for proof of purchase. I then called Chase on line banking and was told the same thing but that they would research the matter. I waited a week, called back, and they told me there was nothing they could do and that the only thing they could provide me with was a letter stating the check was sent and paid. Again, they told me they'd research the matter and get back to me. I never heard back from them. I called again last Friday XX/XX/XXXX and spent 3 hours on the phone with them begging them to get me copies of the cancelled checks. They told me that after 13 months the checks are archived and they can not accommodate my request. This makes no sense, since 3 of the checks are less than 13 months old. I filed a complaint with Chase, the complaint number is XXXX and I was finally able to file a claim requesting the money be returned to my checking account so that I can pay NY State the money they claim they never received. The reference # XXXX. Despite being told that I would hear back from Chase regarding my complaint in 2-3 business days I never heard back from them. I am worried that NY State will send this to collections and I would like either copies of the cancelled checks from Chase as proof of payment OR the funds returned to my checking account so I can pay NY State. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had Fraud charges on my debit card starting XX/XX/XXXX. I was notified by chase bank at XXXX that I had a suspected fraud charge on my account of XXXX. I immediately texted back that the charge was not me. I received a phone call from XXXX XX/XX/XXXX XXXX XXXX INCOMING XXXX Peak 28 minutes. We closed my card immediately and we also shut down the chase app from my XXXX XXXX and he said not to access it for 24hrs. He also asked if I have XXXX XXXX and I said no because I have a XXXX XXXX. He removed all the information from XXXX XXXX and proceeded to tell me that there was a second number on the account that was not mine. 
Starting XX/XX/XXXX I called the Fraud department and changed all my account information and also went through all the charges that were not mine. 
XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX  WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX WI Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX - XXXX XXXX WI Card  XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX - XXXX XXXX WI Card XXXX As you can see the last two charges are on a card ending in XXXX which is the new card they must of issued me after I closed my previous account. The chase claim is XXXX. I also filed a police report case # XXXX. 
They reversed all the charges and I have received a notice that they have researched the charges and they are authorized and correct and they will be taking back the credit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is continually reporting inaccurate and misleading information on my credit report. I have filed several disputes and they were good at taking care of inaccurate information before. According to the FCRA there is still inaccuracies being reported and Transunion has stated that the information has been verified without providing any proof, documents, signatures, proof of contact directly from the bankruptcy court, etc. The courts have communicated several times they do no speak with or communicate with any credit reporting agencies therefore it can not be verified directly from the source. They are obtaining this information from a third party reporting agency and all of those reports are locked so there is no access to them. I have also several address that do not belong as well as my employer listed. This reporting is causing harm with trying to qualify for a mortgage so my children and I can find a home. This is beyond stressful going back and forth over two years trying to get the correct information reporting. They can not furnish proof ( verifiable ) then by law they have to remove this inaccurate information. At once. I will not rest until my credit reports reflect the real financial situation and not what they feel like reporting. Please assist me with contacting Transunion to have all of my disputes removed and not to return.

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