vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I have sent to coinbase pro service XXXX DAI. They have a policy that the deposit will remain pending for 35 block confirmations on the ethereum block chain before you have access to your funds. It has now been 48 hours and 12,000 block confirmations and coinbase still holds my deposit in " pending '' status. I have contacted them no less than 20 times and each time they send me a link to their policy saying I must wait 35 block confirmations. I have yet to get a real response from them other than they will close my account if I do not stop " abusing them ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I settled a charge off with Wells Fargo on XX/XX/2021 and received a letter that says they received the payment of {$1700.00} on XX/XX/2021 to satisfy the balance for my account. as a result I do not need to make any more payments. However on my credit report they show " Account charged off. {$4.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/2021. '' this account should show legally settled for less than full amount. I called them and they were rude and tried yelling at me and cut me off last phone call was XXXX @ XXXX, had to yell through phone to get transferred to supervisor and said that they can not do anything about it to contact the credit bureau . I have recently settled more accounts and they show legally settled for less than full amount. with XXXX amount due.

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 2021-10-29 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: ERC
State: VA

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
On XX/XX/XXXX I submitted a letter to Equifax in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested Equifax to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have Equifax to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent Equifax documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified USPS mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by Equifax. 
Thank you for your attention to this request, US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX CALIFORNIA 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX  10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. SANTANDER CONSUMER USA Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: LEXISNEXIS
State: TX

Complaint narrative:
I placed a previous complaint no. XXXX. 

A company called XXXX XXXX ( aka XXXX XXXX, among many other names they go by ) gave an online loan to an individual who had stolen my personal information. XXXX XXXX failed to verify identity, and failed to verify the name on the bank account in which they deposited the funds. Although XXXX XXXX finally stopped harassing me to pay the loan, they failed to get the fraudulent information corrected on at least one credit report. 

Although I contacted the 3 major credit bureaus, I was not aware that XXXX XXXX also placed an inquiry with LexisNexus ( using the name " XXXX XXXX ''. ) XXXX XXXX has been extremely uncooperative and has refused to tell me of any other credit bureaus they may have used. 

I want XXXX XXXX to remove the fake inquiry from my LexisNexus report, and I want XXXX XXXX to be required to inform me of any other credit bureau to which they have given my information. I have contacted LexisNexus, but without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Took a loan out and they way is 60 days before they took the first payment automatic payment out of my account bank account now they're saying that I miss one month payment I enclose some papers showing that they sent me late papers I tried contacting the company several times for a whole year going around in circles and they refuse to do anything about it I had a lawyer from legal service look into it and all they did was send him paper showing that I missed payment and that they agree with him they did absolutely nothing and they didn't understand my problem so I am now contacting you to look into this matter and I have a whole mess of documents to show you as you can see the refinance of the car was done in 2017 in XXXX and then take the first payment out until XXXX and they refuse to put it on my credit showing when I made the first payment I enclose the graph of the from my credit statement showing all the missed payments and all the pay payment I try paying the late back payment {$50.00} on it but every time I did they would add late fees and interest so it didn't do any good I'm on a fixed income I'm XXXX years old this is ridiculous or what they're doing to me ruining my credit and making me stay in a motel because I can't buy a house now get a loan or credit card because they literally ruined my good credit as you can see from the documents and close the lawyers document is in two parts cuz I could not scan it all in at 1 I appreciate any help that you can give me I already have a complaint filed with you but the website would not let me log in even with resetting my password so therefore I am putting in a new complaint I hope that you can do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/XXXX Four charges were charged to my Chase Southwest Rapid Rewards Card. Chase notified me via email of possible fraudulent activity on my card. In speaking with Chase I confirmed these were fraudulent charges, my account was immediately closed and new card sent. The 4 fraud charges were removed from my card. I noticed on Monday XX/XX/XXXX that 2 of the charges reappeared again showing these purchases were made on XX/XX/XXXX! Again I notified Chase these are fraud charges and I want them removed! Chase stated that their fraud claims department said these were in fact MY charges! One charge is for XXXXXXXX XXXX XXXX for {$62.00} and the other is for XXXXXXXX XXXX XXXXXXXX for {$52.00}. I haven't eaten XXXX XXXX  in over a year and I am NOT a member of XXXX XXXX XXXX!! So far these 2 charges are still on my current statement and have not been removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CORELOGIC INC
State: OH

Complaint narrative:
I have received my copy of my credit report from the three US credit reporting agencies. 

All XXXX reports are stating these codes : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX. 

I have been trying to buy a house now for at least 2 years. The only credit inquiries have been due to the fact of expiration of the 90-day length of time of the initial credit-report. I have paid-off my car, and Now I am penalized for that pay-off. I do NOT have any revolving accounts. Any credit cards-3- that I use are paid off monthly. There is always a full balance paid off prior to the due date. How can there be " too many inquiries '' based on a renewal of credit from the same institution?

I am also disputing the credit reporting as basically being based on a BIAS of the algorithms that are being used based on my age. Nothing has changed in my credit profile in reality other than the fact that the algorithms keep dropping the " CREDIT SCORE '' based on internal DESIGN BIAS inherent in the algorithm development. In fact, my income has increased, and there is no reflection whatsoever as to the REAL CREDIT ACCOUNTS HISTORIES. 

The Credit reports are most probably more erroneous for many other people. There is a definite AGE BIAS in this program. I DO NOT have any balances of unpaid amounts due with any Financial Institutions for more than 5 years.

When a person such as myself calls the number for Corelogic Credco, the only prompts are ONLY for FINANCIAL INSTITUTIONS. There is no advisory on the credit score disclosure of any contact number for the CITIZEN that the credit report is reporting about. If you can not recognize the inherent bias in the present system, then you definitely do not have any common sense as to how the real citizens function to actually make any STATE/NATION real! 

What happened to what used to be a requirement of advising the CITIZEN as to what number to call/contact for a complaint about any erroneous information on the REPORT clearly printed on the paper of the report, by Algorithms to other Algorithms to then be used against citizens? That is the least that any one should expect from a totally automated financial system that is most effectively not being used to support any activities that could support real citizens, especially in the US.

You can't have any kind of system of systems that works without citizens. The entire focus of the present system is totally WRONG. The system is not working for citizens, nor for institutions to maintain relevant, reasonably accurate data.

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 2021-10-29 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX and XXXX are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 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:
XXXX and equifax are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: LEXISNEXIS
State: GA

Complaint narrative:
I need want to opt out of and freeze the reporting companies ( lexis nexus and XXXX XXXX ) Ive been contacting them for more than 2 years and they are giving the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX, a transfer through XXXX of {$290.00} was done on my account. I had only ever used XXXX twice back when I lived in California, and normally avoid it as it isn't safe, so seeing XXXX be used while I was here in Tennessee was a huge red flag. 
I filed the fraud report shortly after once I noticed the transfer, hoping Navy Federal would at the very least be able to provide me the needed information to file in small claims if they were unable to perform a charge back. It was also at this time I noticed my XXXX account was restricted, as if it had been breached or broke the ToS. Navy Federal 's fraud department also immediately deactivated my debit card without warning or notice.

According to Navy Federal 's fraud department, only my device signed into my XXXX account ( Navy Federal has built in XXXX XXXX, so there was no possible way fraud had taken place on my account.

Navy Federal also refuses to provide me the information needed to identify the individual the money was sent to so I can file a police report/small claims case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation