vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXXXXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX amount {$170.00}. 
Fair Collections and Out, Original Creditor : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  {$170.00}. 
Dept of EDUXXXX XXXX {$4000.00}. 
Dept of EDUXXXX XXXX {$8900.00}. 
Dept of EDUXXXX XXXX {$3000.00}. 
Dept of EDUXXXX XXXX {$4200.00}. 
Dept of EDUXXXX XXXX {$1700.00}. 
XXXX amount {$100.00}. 
XXXX XXXX XXXXXXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXXXXXX XXXX XXXX amount {$510.00}. 
XXXX XXXXXXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}

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 2022-11-16 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: TN

Complaint narrative:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AES/PHEAA
State: TN

Complaint narrative:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
I received written notice from a company, Cedars Business Services, attempting debt collection for my deceased parents from a health services company, XXXX XXXX XXXX XXXX, they never incurred debt with. I reached out to the company attempting to collect and advised there was no such debt and I suspected this was a fraudulent attempt to collect money. I asked for information on the company claiming the debt was owed and advised my parents were deceased. The company representatives were unwilling to share information with me. My father was recently deceased, and my mother was mentioned in his obituary. I am concerned this was fraudulent attempt to collect a debt not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I APPLY PROMOTIONAL OFFER FOR 0 % APR FOR BALANCE TRANSFERS AMERICAN EXPRESS ( Blue Cash Everyday ) CARD. I REQUEST A BALANCE TRANSFER, AND IT WAS APPROVED, AND TRANSFER WAS INITIATED. AFTER I RECEIVED FIRST BILL STATEMENT I NOTICED THAT I HAVE BEEN CHARGED Interest on Purchases ( I DID NOT MAKE ANY ) ON MY BALANCE TRANSFER. CUSTOMER SERVICE STARTED TWO INVESTIGATION, NO RESULT FOR MORE THAN 60 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XX/XX/21 I made a purchase from XXXX for {$150.00}. On XX/XX/21 I contacted as the item had not been received and was told it had been delivered previously. I informed XXXX that I had not received the items. XXXX made suggestions to ask my neighbors if one of them may have picked it up. That would not have happened and they would not turn the packet over. The next day I called again and once more I spoke with XXXX who was rude and disrespected me like a common thief- she said the only way to get credit is to sign an Affidavit- The form was sent while I was away- A series of phone calls were made to them denying receipt of the affidavit. XX/XX/21 I sent a 2nd copy and followed up with a string of phone calls- again, they had not received any of the XXXX copies. XX/XX/21, XXXX and XX/XX/21 XXXX said they did receive the document, but nothing could be done pass XX/XX/21. Not once during any of the phone conversations was I told there was a deadline. I contacted and filed a report with the Attorney General 's office and they intervened on my behalf trying to resolve the issue- to no avail. XXXX XXXX XXXX XXXX and Comenity Bank. The bill is now {$490.00} or thereabout with no resolution. I have copies of the correspondences with myself, the Attorney General Office, XXXX, XXXX XXXX, and Comenity BankXXXX They are stating that I am responsible for the item once it has been mailed ; how can I be held responsible for something that I did not get. Further, the affidavit did not state a deadline to return the form. Recent correspondence received indicated that they had indeed received the 1st copy which they stated was unsigned. Yet all the time they were denied receiving any documentation. It took 58 days from Maryland to get these 2 copies to Texas. Am I to believe that our USPS is so broken. I would appreciate some assistance in resolving this matter. By their own admission 105 days I find that very difficult to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to Carmax Auto Finance, There are several accounts opened via Identity Theft that XXXX refuses to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint ID XXXX was closed in error. It is not the same as complaint ID XXXX. DO NOT CLOSE THIS COMPLAINT. 
Transunion has demanded I file an Identity theft report to remove some inquiries. I am a victim of the XXXX XXXX data breach and Transunion is aware of this. They are refusing to accept my FTC report. They keep blocking my online access and telling me I cant dispute over the phone I can only mail my documents. Ive been trying to resolve this for over two months and its causing me financial distress and mental anguish. I contacted the FTC and they advised I contact the CFPB to complain. The FTC reports number is XXXX. Im demanding Transunion immediately remove the XXXX XXXX INQUIRY DATED XX/XX/XXXX and XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX INQUIRY DATED XX/XX/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 2022-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXXXXXX XXXX. At the time the loan was taken out, XXXX XXXXXXXX XXXXXXXX  filed a lien against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXXXXXX XXXX changed its name to XXXXXXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to XXXX on XX/XX/XXXX. They advised me to contact XXXX to resolve my issue as it was sold to them. I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. In addition, there was NO recorded assignment of this debt to XXXX. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need XXXX to release the lien on my property as it is interfering with my ability to sell my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with Bank of America and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX  XXXX, XXXX ) will not block these fraudulent accounts.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The issuer of the visa credit / debit card is Coinbase Inc. ( which is tied to the XXXX Coinbase exchange ). 

Coinbase card acts as a debit card so you essentially need to pre pay the card by funding your Coinbase card account. 

I was heavily using my account because Coinbase offers crypto as a reward for using the card. A couple of months ago, I was informed by Coinbase that my card was deactivated because I violated the terms of service. I contacted Coinbase and after several days they reinstated the account but did not explain to me what triggered the deactivation. 

A few days ago - they did the same thing. They claimed that a charge I made on XX/XX/2022 for a bill from a XXXX law firm violated their terms- but again did not state what term I violated. 

I have called customer service several times and submitted several emails asking what term did the charge violate. Each time they only responded that I violated the terms of service with no explanation. Their customer service team is somewhere in XXXXXXXX XXXX XXXX XXXXXXXX and is very unhelpful. Prior to the above charge, I had made at least XXXX prior charges with the card with the same law firm. 

I suspect that because I was earning a lot in rewards from use of the card that they just made up an excuse to deactivate my card. Given the recent events in the crypto space, I would appreciate you investigating Coinbase and their card practices. If I violated their terms of service, they need to explain what I did. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My car was repossessed by Bridgecrest/XXXX  today XX/XX/2022 for payment # XXXX being past due by 12 days. The payment was due to BridgeCrest on XX/XX/2022. The company has falsely repossessed my car stating that I have defaulted on the loan because I missed the First car payment when I didnt miss my first car payment. They are calling it a first payment default. I made my first car payment on XX/XX/2022. No where in my vehicle loan contract does it state that my car would be repossessed for missing a second payment. As of today I am 12 days past due on the second payment and the third payment is not yet due. I offered to pay car payment # XXXX and # XXXX tomorrow, but Bridgecrest refused to cure the loan so that I can clear the default. I did request that as well. I believe their practices as a subprime lender to be predatory and scammers. They took my down payment. They didnt try to work with me at all. Their consumer practices are unethical at the least.

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 2022-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation