vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute when I realized my credit report had dropped by XXXX points, and during my investigation, came to find my twin sister 's information was listed under my account through TransUnion. It had her name, social, and address listed, with my name listed as " AKA '' and my phone number/address listed as a secondary address. After waiting 30 days, when attempting to check the finalized report on XX/XX/XXXX, TransUnion only had " information unavailable, please call during these times. '' I was unable to access the dispute, nor was I able to create another dispute, considering TransUnion had found the information I disputed to be " factual ''. The first call I made was to find out why I could not access my report, to which I was told to get certain information and send it via mail to regenerate an entirely new report. That would have been the week of XX/XX/XXXX, to which I have not received any reply or confirmation as to the status of this " regeneration ''. My twin sister has not been able to even create an account. I attempted to call TransUnion again over the week of XX/XX/XXXX, and an employee attempted to change the information under my account for me. I was also transferred to another employee for the status of my dispute/regeneration. This employee attempted to create a new account for me. I was disconnected from the second call without the new account information, and received another call today XX/XX/XXXX to which I was unable to take due to working. Now, I am unable to access ANY of my information under my current account, and have no access to the account the employee was attempting to create for me. I have received nothing via mail regarding the regeneration.

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 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! 
THIS IS AN ONGOING ISSUE OF FRAUD WITH COINBASE THAT NEEDS TO BE HANDLED BY THE XXXX. 
DO NOT LET CB FRAUDULENTLY CLOSE OUT THIS CASE BY CLAIMING IT'S A DUPLICATE. 
Once again, CB has stopped paying me my staking interest on XXXX. 
CFPB- I will also be handling this with the SEC, DOJ, and FTC since you allow companies to close out complaints without even responding. 

XXXX XXXX - shows that I only had a tiny bit of XXXX  staked in XXXX XXXX, then I added over {$900.00}, but was still being paid for the tiny bit of XXXX. It took me filing a complaint- because CB customer service is NON-EXISENT - in order to start getting paid the correct amount of interest. 
Plus, CB is so sketchy they had removed all dates and times of when interest was paid. 
I complained about that and it has been added.

CB NEVER paid me the back interest I was owed. 
XXXX XXXX - shows where they finally started paying me the correct amount. 
XXXX XXXX - shows where I staked the new amount but did not get paid the correct interest. ( referring to XXXX XXXX & XXXX ) Pic XXXX - shows that I have not been paid interest since XX/XX/year>, yet I'm supposed to be paid interest every XXXX days per CB. 
Granted we aren't talking about a lot of money, but they think they can get away with doing this to everyone. So it does add up to a lot of money when they're stealing from so many customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: MN

Complaint narrative:
This debt is not in my name. I never signed any paperwork for this account to orginal creditor or the debt collector. They can not provide any paperwork with my name on it. They list this as an open account and have been adding interest. I did not open this account. They threatened me when I tried to resolve the issue with the debt collector. I explained to them it was not mine and they refused to work with me at that point. I was provided paperwork of charges with no name on it.

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 2024-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-05-21 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i deposited a check payment in the amount of {$65000.00} on XX/XX/2024, chase bank closed my bank account because they suspected this deposit as fraud, and never returned the money to the check maker and neither cleared the money to me. 

i have contact chase mummers times and not getting anywhere. 

ty

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: 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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-21 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: 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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX OPENED THIS FRAUD COLLECTION WITHOUT MY KNOWLEDGE. 

XXXX XXXX HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. 

I AM NOT RESPONSIBLE FOR THIS FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX. 

THE ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00}

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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NE

Complaint narrative:
On XX/XX/XXXX I sent my landlord his monthly rent payment if {$1200.00} using my Chime account. My landlord received a notification that I sent him the payment. He then downloaded the app and created a Chime account. Once his account was created the next day Chime closed his account immediately which resulted in him not being able to receive the money sent to him. On XX/XX/XXXX he notified me about this and I called customer service. They told me my funds were transferred successfully and to have my landlord call them and they will help him access his funds. On XX/XX/XXXX when my landlord was unsuccessful in his attempts to collect his money, we called Chime customer service. We effortlessly talked to them back and forth for almost two hours. All they could tell us is that his account was closed. Therefor, they can not give him any information further. Chime has the {$1200.00} that was sent to my landlord. He never receive it electronically nor a check through the mail. Those funds were not returned to me either. This is 100 % fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 2024-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ss # XXXX D.O.B.XXXX  Address XXXX XXXX XXXX XXXX XXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-05-21 00:00:00
Product: Credit reporting 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:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance Owed : {$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 2024-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX  XXXX ca XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I haven't charged anything on this card for almost XXXX year. When my introductory rate ended, the bank ( Wells Fargo ) raised the rate to XXXX % which was also not expected. I now understand the " shell game '' they have played. XXXX month prior to my introductory offer ended, the bank lowered the amount I could charge ( even though I've never been close to the amount ) which then lowered my credit rating. Based on that, they then raised the rate to XXXX  %. 

However, I know the federal regulations only allow them to use that rate for new charges, not old charges. They refuse to listen or explain how they can do this and not be in violation of federal regulations. 

They have raised my monthly payment to $ XXXX even though all of those charges are not new, they are very, very old. That is basically half my rent. I was using this card to pay off medical bills rather than declare bankruptcy. Now they have left me no choice.

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