vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello, I have a complaint about Coinbase. 
At beginning of XXXX, Coinbase started to review my account and leave a message : " Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status ''. I submitted a ticket to get help and receive replies On XX/XX/XXXX, " Hello, Coinbase Support resolved and closed your case '' Case # XXXX. In fact, my account still under review nothing changed. And I sent several messages and received the same content '' Coinbase Support resolved and closed your case '' Case # XXXX # XXXX # XXXX # XXXX # XXXX. More than 70 days have passed, Coinbase didn't do anything, my account still XXXX to trade and withdraw. 
During this period, the market went up and down, my account balance from {$57000.00} down to {$41000.00}. I lost the money. Now there are many people who have the same situation as me. We all work hard to earn money and invested in Coinbase, dreaming to make the quality of life. Don't break my dream. please help me get back to the account!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.

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 2021-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. I have successfully contested this debt with XXXX and XXXX, and gotten it removed from those two credit reports as this debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.

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 2021-03-17 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Adjustment Company Incorporated
State: NC

Complaint narrative:
To be clear, CACI did not reveal what the matter involved. However, they did choose to contact my XXXX old father to determine my location. 

I already told them specifically that I did not owe the debt and not to call. Additionally, I should note that I did request a change of address form from the post office. As such, any and all mail I received would have been forwarded. 

On top of that, they have my phone number and they've spoken to me and I clearly told them I do not owe the debt. 

My complaint centers around contacting an elder relative to obtain information. Regardless as to whether they share information or not, it is inappropriate to contact associated persons fishing for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent a letter to Wells Fargo XXXX XXXX asking Wells Fargo for debt validation of the credit card debt. I stated that if Wells Fargo could not validate the debt to delete it.The letter was mail certified mail with a return receipt. I received a letter from Wells Fargo on XXXX XXXX. After reviewing the letter I received from Wells Fargo I found several exhibits that violate my consumer rights. I have sent a Affidavit of Truth to Wells Fargo demonstrating my consumer rights that are being violated labeled Exhibit A, B, C, D, and E. I sent this letter certified mail with a return receipt. I have not received a response.

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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

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 2021-03-17 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
I moved out of an apartment in XX/XX/XXXX by ending a lease early under agreement with the leasing company ( XXXX XXXX at XXXX XXXX XXXX  XXXX ). At some point following my move out this company sent an amount owed ( {$2400.00} ) to a debt collector ( Hunter-Warfield ) in XX/XX/XXXX. Despite having all of my contact info, and me even reaching out to XXXX, I never received response, notice, or a bill for this amount in any form. The amount owed is now up to {$2500.00} some how. Hunter Warfield even called and harassed my parents for this money that they will not verify. 

I sent a letter to Hunter Warfield asking for verification of the debt and asked them over the phone when I was able to answer one of their calls. They received the letter and signed for it through usps certified mail on XX/XX/XXXX. I still have not received a response to this request ( its XX/XX/XXXX today ).

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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: CA

Complaint narrative:
I transferred US {$500.00} to etoro on XX/XX/2021 via ACh transfer but the money never arrived at my account with etoro. 
I tried to contact etoro costume service ( which was very slow ) and after providing the documents they needed I received an email on XX/XX/2021 that it was forwarded to the payment team for review. However, today, XX/XX/2021 I received an email saying that my case with etoro had been marked as solved but the funds are not available on my etoro account or were sent back to my bank account. 
It's been 3 weeks since I sent the money and tried to contact etoro but I keep hitting a wall and not able to get a clear understanding of what is going on and what should I expect, and as mentioned, to make things worse they marked my case as solved. 

I also tried to post on their message board while tagging costumer support but again no response as of the time of writing this complaint. 

Please see attached correspondence with etoro costumer service regarding the case I will appreciate any help in resolving this matter. 
Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Received a notice from Medical Revenue Service dated XXXX, received received XXXX for an {$140.00} medical bill balance, was advised in letter to dispute contact office in 30 days. I sent Medical Revenue Service a certified letter that was delivered XX/XX/XXXX, asking them to validate the debt. I was notified XX/XX/XXXX, the {$140.00} debt had been placed in collections on my XXXX  credit report, under a different company name XXXX XXXX XXXX.I have never received any information Not only did this company not validate the debt they also, didn't allow me time to even pay once the validated. And reported under a different company name that I as the consumer was unfamiliar with

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 2021-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently submitted a report with FTC about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the FTC told me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my FTC

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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent {$21000.00} from my XXXX checking account to XXXX XXXX to be credited to my Binance.US account. The money was never credited to the Binance.US account or returned to my XXXX account. Binance customer service acknowledged on XX/XX/2021 receiving the funds but has yet to resolve the issue. Binance customer service is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: FL

Complaint narrative:
This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.

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 2021-03-17 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
New Rez Shellpoint is reporting a commerical account on my personal credit. This is INACCURATE and needs to be corrected. I have put in multiple requests for them to remove this commerical loan from my personal credit but they are not deleting the account despite assurance that it will be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is holding my credit reporting for no reason. 
I am in the process of refinancing my home and the lender hasn't been able to retrieve my credit. I have already communicated with the company to resolve the issue and they haven done anything to clear the situation and release my credit report. They asked me to send supporting documentation to verify my identity and they still have not addressed the issue.

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 2021-03-17 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I received a letter from the LVNV Funding ( Resurgent ) collection agency in XX/XX/2021, I requested debt verification. The company sent me a copy a statement. The statement was not dated. I received this on XX/XX/2021, I then requested validation of the debt, specifically, I requested that the company supply me with a copy of my signature, verification of the amount currently due and validation that the company is licensed to collect a debt in the state of Connecticut. As of today, XX/XX/2021 I have not received a response. Today I called the company at XXXX and asked for the compliance department. I spoke to a rep there who advised me that all they have is a copy of the statement and the terms. They do not have any additional information to validate the debt they are attempting to collect. Because the company did not respond to me within 30 days, nor validate the debt, I am requesting that they immediately cease and desist any future collection attempts and remove this debt from all three collection agencies within 15 days of today.

Company response to consumer: Closed with explanation