vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
XX/XX/year> I sent XXXX Eth from personal wallet to Coinbase and bought XXXX btc. As soon as traded, I sent {$100.00} XXXX to same personal wallet as test transaction without problem. Then proceeded to send the remaining XXXX ( approx $ XXXX ) to the same personal wallet. That withdrawal was immediately blocked. I received this message : As a precautionary measure, to protect you against potential loss, we have limited your ability to send XXXX until XX/XX/year>. Please try again after this date. 

As a victim of the XXXX XXXX bankruptcy, I have no desire to leave my funds on a central exchange for a day, much less 2 months. 
XXXX XXXX reached out to Coinbase support and was told I would get a response in XXXX. 
I did receive a request to verify my identity which I did the same day. I had also previously completed XXXX  verification with Coinbase XXXX XXXX I reached out again and was told my case ( # XXXX ) had been assigned to a specialist and would be given priority. 
XXXX XXXX again reached out to Coinbase support and again was received this response : we're sorry for the frustration this has caused. We see that your case is still pending review. Our specialists are working diligently to resolve this issue as soon as possible. Your patience is appreciated, and we'll notify you as soon as we have an update. 
Every day that my crypto is left on Coinbase exchange, I am at risk for getting caught in another bankruptcy fiasco. The wallet address was used initially to receive the XXXX and has been used previously to send crypto off the Coinbase exchange without incident. It seems very suspect that Coinbase is withholding my XXXX in good faith to prevent fraudulent transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX XXXX, 2023. XXXX XXXX XXXX in error charged me 3 times for one service {$630.00}. They admitted that it was their error and notified CitiBank. Citi took off one charge. The next one was conditional. Then someone their decided to put it back on my statement and even charged me interest. XXXX  XXXX  lowered by score by XXXX? points. I have called Citi at least a dozen and a half times, even talked to a few supervisors. I have a case # XXXX. I sent an email also to the XXXX. This week I sent a certified letter to The CEO of Citibank, she should receive it Monday, the XXXX ( Tracking with XXXX. ). All I get it the runaround. It's been 3 month and a week now and it's still on my account. I am a senior citizen and on SS. This has stressed me to no end. I am so frustrated. I need someone in my corned. Please help me.

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 2024-04-21 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: PA

Complaint narrative:
I have sent out letter to Equifax about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act. They have not responded back to me in 15 days at all! The status is still open and nothing has been done. EQUIFAX is violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
On multiple occasions I have contacted the reporting agencies on account # XXXX reported by XXXX XXXX XXXX the account information is inaccurate and to be removed. Charge off debts are taxable income and can not be reported on any consumer profile. This is a violation of ( FCRA ) 15 USC 1681e ( b ). Also XXXX has been informed of Opt out of any reporting to any agency. IRS publication proves Charge offs are taxable income and income can not reflect on a consumers profile I demand immediate deletion of this account reported by XXXX XXXX XXXX. I have also made a complaint on XXXX with the XXXX XXXX XXXX  as well.

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 2024-04-21 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: FL

Complaint narrative:
On multiple occasions I have contacted the reporting agencies on account # XXXX reported by XXXX XXXX XXXX the account information is inaccurate and to be removed. Charge off debts are taxable income and can not be reported on any consumer profile. This is a violation of ( FCRA ) 15 USC 1681e ( b ). Also XXXX has been informed of XXXX out of any reporting to any agency. IRS publication proves Charge offs are taxable income and income can not reflect on a consumers profile I demand immediate deletion of this account reported by XXXX XXXX XXXX. I have also made a complaint on XXXX with the XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, XXXX, XXXX, TRANSUNION, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, Transunion, XXXX as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY  COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY  court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately

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 2024-04-21 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: OH

Complaint narrative:
On XX/XX/23 my Acct : XXXX reported a late payment. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not included on the consumer reports yet this information is being reported to my report.

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 2024-04-21 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: OH

Complaint narrative:
On XX/XX/23 my Acct : XXXX reported a late payment. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not included on the consumer reports yet this information is being reported to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On Tuesday XX/XX/XXXX at approximately XXXX XXXX  I tried to deposit XXXX USD at my local TD bank in XXXX, CT via ATM deposit. When I put the money in the ATM, the machine calculated it as XXXX. So I opted to cancel the deposit and return items. The ATM only returned XXXX USD ( XXXX XXXX dollar bills ). I immediately called TD bank and filed a dispute. Claim number is XXXX. They also recommended I talk to the local bank manager about getting a credit. 
I went to that same TD bank in XXXX to speak with someone the next day on XX/XX/XXXX, approximately XXXX XXXX. I spoke with someone named XXXX. She said she can see the dispute and will speak with her manager about giving me credit for XXXX  days until the bank gives me credit while the investigation is underway, investigations take XXXX days they said. At XXXX XXXX she calls and says they approved the credit. 
Today, Sunday XX/XX/XXXX, I open my account and see a withdrawal of XXXX. I call the bank customer service and the man says they denied the dispute on the XXXX. In XXXX days only and reversed the credit. He could not give me more details when i asked as he said he can't read some of the handwriting on the claim form. After some talking he filed a new dispute : XXXX In short : the TD bank ATM did not return all my money I was trying to deposit. The bank is denying any errors or fault in the ATM. If the cameras were checked, one would clearly see a discrepancy in the amount I had in my hand before and after trying to withdraw.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
The information that is currently in the credit bureaus is totally different, I need to change my personal information in the credit bureaus ( Experian ) for the new personal information that I am going to provide.

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 2024-04-21 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: OH

Complaint narrative:
On XX/XX/23, XX/XX/23, and XX/XX/23 XXXX XXXX Acct Number : XXXX reported late payments to my report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not to be included on the consumer report yet this information is being reported to my report.

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 2024-04-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-21 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: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my Macy 's card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to Macy 's. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called Macy 's to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was XXXX  in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called Macy 's in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require XXXX  approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX  XX/XX/XXXX I receive another communication from Macy 's stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX  XXXX XXXX On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called Macy 's that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX Macy 's received the payment. Macy 's responded to the XXXX  with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because Macy 's refused to transfer misapplied funds/issue a refund in a timely manner.

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 2024-04-21 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It regulates how consumer reporting agencies collect, use, and disseminate consumers ' credit information. 
This is not my Address on this paperwork sent back to me and I DO NOT OWN A XXXX XXXX BY LAW YOUR SUPPOSE TO REMOVE THIS OFF MY CREDIT PROFILE. THIS IS NOT MY ACCOUNT, NOT MY ADDRESS AND I DON'T HAVE THAT CAR. I WILL BE FORCED TO TAKE LEGAL ACTIONS NEXT. IVE NEVER EVER DONE ANY TYPE OF BUSINESS WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-04-21 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: Foursight Holding LLC
State: MI

Complaint narrative:
On XX/XX/XXXX of 2023 myself and my wife went to XXXX XXXX in search of a new vehicle. Upon sitting down with the salesman and getting our initial information, he wants to go run my credit. We gave authorization for the credit to be ran XXXX singular time, after our initial rejection I was disappointed, but then the Salesman said let me see what I can do not informing me that he intended to run my credit score XXXX more times after that statement. Upon running it a total of XXXX times Im not sure where the approval came from but we were eventually approved. Let it be said that this was also done in the managers office away from our supervision. I As I am in the process of attempting to acquire a house and get my finances in order, I checked my credit score to find I had XXXX hard inquiries on the same day from the same establishment. I called XXXX XXXX, To discuss this and ask about their business practices, and the only thing they Said in response was you may have lost XXXX pts but we got you in a car didnt we? Any other time Ive done any kind of lending I Have always been informed about each time that my credit is about to be ran because of the risk that hard inquiries can have to have this done without my knowledge and against my consent Extremely duplicitous and unprofessional. Any business that operates like this with the knowledge of the damage theyre doing should not be allowed to exist in my personal opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: GA

Complaint narrative:
I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action. 

Upon thorough examination, I have identified an installment account, labeled as XXXXDept of ED Loan , with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings. 

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report. 

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA. 

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within 10 days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.

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