vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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 reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.

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 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
From XXXX through XXXX I lost over {$90.00} using Trading platform called Coinbase. 
I downloaded on my XXXX via XXXX XXXX and followed all the directions. 
It mostly happened during converting my crypto. 
I couldnt convert my crypto in many occasions, and that repeated over that period of months, it must happened over a dozen times. 
I reached Coinbase support in various times. 
Coinbase support denied any wrongdoing and said that It was because of price changes. 
I just dont believe it, because in various occasions for example, during trading XXXX must tried a dozen times over and over and still got the same email about not be able to convert. 
I also have other issues with Coinbase trading platform performances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-01 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX my tax return in the amount of {$5800.00} was deposited into my credit karma money spend account. The same day my account was lock and I was told it was under review. I have contacted them multiple times a day since without any help. I just am being told it is handled by a higher team and to wait. Law states a banking institution can not hold you funds for more than 7 days without reason. I have read online this has happened to others. I don't want a check to be sent to me which apparently never arrives I just want to pay my rent and have access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX 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 explanation
Consumer complaint received 2023-03-01 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
I sent out letters to XXXX, Equifax and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
I sent out letters to XXXX, XXXX and Experian about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reported 21 hard inquiries and 3 addresses that are not mine to XXXX on XX/XX/23. 

False addresses on my account : - XXXX XXXX XXXX XXXX, NJ XXXX - XXXX XXXX XXXX XXXX XXXX NJ XXXX This address also opened and used XXXX XXXX under my name using account number XXXX. 
- XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I asked a collection agency to provide me with proof of debt and the original contract and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
The collection agency XXXX is falsely reporting that I owe {$1800.00} to them! I have NEVER met with them and I have NEVER signed any contract with them. I have tried disputing this several times to no avail. I have called them and also expressed to them that I had no knowledge of this! 
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Self Financial Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/XXXX RE : Last 4 of XXXX XXXX To Whom It May Concern, On XXXX of XX/XX/XXXX, I disputed an account reported by Self Financial Lead XXXX in the file you maintain under my social security number. 
I was informed in XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cc : Consumer Financial Protection Bureau ; Attorney Generals Office ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MO

Complaint narrative:
Transunion is reporting a mortgage ( XXXX ) on my credit report as 30 days past due. However, this account was paid in full and closed on XX/XX/XXXX. It is XX/XX/XXXX - there is no way that an account that was paid in full over 5 months ago is currently 30 days past due! The incorrect reporting is hurting my credit score and impacting my ability to obtain new credit. I have contacted TransUnion numerous times about this, and they refuse to fix it. XXXX and XXXX are reporting the account correctly as paid, closed. You can review the account on my report more closely and see that TransUnion has never marked the account passed due ON ANY MONTH prior to the date I paid the account off. HOW IS AN ACCOUNT THAT HAS NEVER HAD A DELUQUENCY AND IS PAID IN FULL MARKED AS 30 DAYS LATE 5 MONTHS AFTER THE PAY OFF!!

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 2023-03-01 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Collection Account XXXX OF XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

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 XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
We sold our house to a buyer that assumed our VA loan. The initial offer on the house was signed XX/XX/XXXX, the home did not close until XX/XX/XXXX. During this prolonged time we were forced to purchase additional homeowner 's insurance as we were not occupying the home and our homeowner 's policy expired XXXX XX/XX/XXXX. Additionally we were paying the mortgage on our new home and utilities for both properties. We were told that assumptions take a bit longer especially with the VA however 90 days seems onerous. Additionally, the mortgage was still listed in our name until XX/XX/XXXX. During that time I received several letters indicating that additional homeowner 's insurance was needed as we had cancelled ours XX/XX/XXXX after the home closed. It appears as though First United purchased homeowner 's insurance on our behalf during that time- even though we no longer owned the home. Once the insurance situation was finally resolved, First United withdrew approx {$2200.00} from our checking account on XX/XX/XXXX ( mortgage payment for XXXX ) for the same property. Again it is noted that the home was sold on XX/XX/XXXX. It was difficulty to rectify this situation as the mortgage with our current home is through the same lender. I have been able to verify that the payment that was withdrawn ( and unauthorized by us ) has been reversed. Today I received a call from First United Bank asking for a woman with the name of the purchaser of our home- it appears they are calling to discuss the fact that the payment for XXXX was reversed ( as it was taken from the incorrect account ). First United has failed multiple times to update the information in their database once the home was closed until I reached out. It is frustrating having to deal with a new issue every few days. I have spent a considerable amount of time calling and emailing various persons at the bank to get ALL the information updated. I am anticipating a problem at tax time as well due to the inability to update mortgage information in a timely manner. I understand that the assumption process is new, however I feel that it should not be offered as an option unless the institution is able to execute the process fully. We have suffered financial loss, loss of time, and loss of peace of mind in dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/XXXX US Bank held a garnishment of my Social Security Disability benefits In the amount of {$920.00} for a commercial debt collector XXXX Funding. 

According to the SSA a commercial debt collector may not garnish SSDI and as of today XX/XX/XXXX, US Bank has not returned my funds to me, nor have they paid it to the creditor they withheld/garnished it for. 

Please enforce the law to have US Bank return my money to 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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a dispute regarding the removal of old addresses and employers from my TransUnion XXXX XXXX credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses & employers, even though I have requested their removal multiple times. These addresses and employments are no longer associated with me and have not been for some time. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employement - XXXX  XXXX XXXX XXXX XXXX USPS I believe that TransUnion & XXXX has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that TransUnion & XXXX immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that TransUnion & XXXX provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this 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