vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: NV

Complaint narrative:
I am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX Credit profile. 


XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX EquifaXXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mtg Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: AR

Complaint narrative:
There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of 2018. I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX  for supporting documentation.

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 2021-08-05 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: IL

Complaint narrative:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA

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 2021-08-05 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: IL

Complaint narrative:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not do these i queries and would like them off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-08-05 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: FL

Complaint narrative:
ORIGINAL COMPLAINT I purchased a new car from XXXX XXXX XXXX in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXXXXXX XXXX where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a XXXX XXXX XXXX. I can only assume that the mail was returned to XXXX by the USPS. I went to the dealership who told me that XXXX would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me. 

Supplemental Complaint with Evidence This complaint was investigated and ruled against me with documentation. This documentation shows an incorrect address which the USPS has advised would have been returned to XXXX. During the time that the bills were sent my mail was being forwarded because of a house fire and the address on the bill shows XXXX XXXX XXXX XXXX when in fact it is XXXX XXXX XXXX XXXX which the forwarder machines would return to sender as an invalid address. Furthermore XXXX shows my second payment as missed which is not true as no payments were made until the first request was received by me in the mail.

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 2021-08-05 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: AR

Complaint narrative:
There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of XXXX I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX for supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

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 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am currently in the forbearance program with mr Cooper mortgage. I am the successor in interest on the estate & I reached out to ask about the COVID advance FHA assistance. I was informed that this is not an option for me because they dont have it. I am also being told that I will need to pay the amount in a lump sum & have received no help with getting back on track. I am able to make the regular monthly payments but they will not allow me any type of help on this & I am also being told that they will not work with moving some or all of the payments to the end of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
They are denying my app without sending me a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I wrote coinbase through their help section and got nowhere. it seems my account was hacked and my email and or my password was changed.coinbase tried to charge my bank {$33000.00}. This is what I wrote : I notified you of the problem a week ago and have heard nothing. My account was hacked, coinbase tried to charge my bank {$33000.00}. I found it and reported it. It was stopped, however I can not access my account. who ever hacked my account evidently tried to buy crypto through my account. I am going to have to file a fraud complaint with the US Consumer Financial Protection Bureau ( CFPB ), the federal bureau and SEC. From my bank records this was submitted on XX/XX/XXXX. My name is XXXX and my email is : XXXX and my phone is:XXXX. You should have all this. I think my account was changed somehow and when I try to sign in it doesn't even get to 2 step verification and instead says, invalid email or password. I have my recovery phrase, my bank account statements etc. I need to have this problem fixed, and if it is done by way of email I need it in plain understandable english. Preferably talk to someone. When it is fixed I will take the app off my phone as I don't really need it and I think this also might be a problem as I had a problem also with it. A device change that I never did that was also fixed. I have a friend that is a federal agent that works in bank fraud and he said he will help and so far I am doing the right thing and to give you a couple of days. Today is XX/XX/XXXX and I will wait till XX/XX/XXXX. If you need I have copies of everything including this. Also I tried with another coinbase help site and the 6 digit verification code never gets sent to me. Thank You I have the statements from my bank that have all transactions, I have been with coinbase since XXXX so there are plenty of bank records. These are from XX/XX/XXXX, They are all on XX/XX/XXXX : ACH HOLD Coinbase.com ( XXXX, XXXX, XXXX, THESE THREE WERE FOR {$10000.00} EACH ) next, ACH HOLD Coinbase.com ( XXXX, XXXX, XXXX THESE THREE WERE FOR {$1000.00} EACH ) THE LAST ONE ( ACH HOLD Coinbase.com XXXX  ). WHAT I AM ASKING IS FOR THEM TO REPLACE THE ACCOUNT TO WHERE IT WAS, The last time I could see it was somewhere around {$14000.00} if I remember correctly. I have all the bank records if I need them, all my ID and my recovery phrase and the addresses when I opened this account. I can't get them on the phone ( XXXX ) and the help section does not work. They should be able to know the account that tried to buy through my account or cleaned out my account or my account is still in good standing and I have no way to access it. If I can I would probably lose it and open a new one but with a better security and not use an app. to put it on my phone. I was also told to file with SEC AND FBI. I will wait for you. Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You just removed the XXXX XXXX account and now you have re-added this account back on my file. 
I've already submitted to you some of the documents that I submitted to this company and they have not been able to validate this account claim. 
Now you have allowed this account filing to be place back on my file. 

This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
This account has been removed previously from my credit reports, then it was reinserted back on to my reports. I filed a FTC report and now they have reinserted the information. Accoring to 15.US. Code 1681 Section ( B ) ( i ) States ... Any information that is deleted from consumers file and then reinserted the consumer reporting agency must in writing not later than 5 business days after reinsertion date. This was not followed by the furnisher so it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I am a victim of identity theft and last year got sick during the covid outbreak when Chex systems started displaying info on my report that was inaccurate violating the fcra laws and refusing to remove the XXXX XXXX  account which is incorrectly listed.

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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
The company is Zelle and I ( XXXX XXXX ) was a victim of a rental scam. I went out to look at the site and called the Realtor to find out about if the property was up for rent. The realtor told me I had been defrauded and to get my money back. 
I immediately proceeded to contact XXXX XXXX and report the incident. XXXX XXXX went and argued with Zelle about their red exclamation point regarding unregistered users and that funds would be returned to the user in 10 days. The 10 days came and went and the funds were never deposited. 
Zelle outsources customer service so that was useless to try and accomplish anything. 
These are the dates of the transactions via the Bank account XX/XX/2021 XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: LA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

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 2021-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following inquires are on my account in the last 10 days that I did not authorize. Below is the information that I have pulled from my credit monitoring service for Experian ; XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact:XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Account Type : Bank - nonspecific Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : EXPERIAN BUS INFO SOLUTIONS Creditor Contact : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Type : Credit bureau Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account Type : Bank - credit card Inquiry Date:XX/XX/XXXX The following are the inquiries from before this date that I also did not consent to : XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX Creditor Contact : XXXX XXXX XXXX XXXX, OH XXXX-XXXX  ( XXXX ) XXXX Account Type : Sales financing companies Inquiry Date:XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX 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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal is holding my {$720.00} balance and won't let me have my funds. 
I have contacted them first around XX/XX/21. 
That initial day, I spent over 2 hours trying to get assistance over the phone. I spoke with the following Paypal folks starting at XXXX XXXX EST XXXX - Employee XXXX XXXX - Employee XXXX XXXX - Employee XXXX I have opened a XXXX  case, I have called multiple times. 
I have uploaded proof of the XXXX transaction that put that {$720.00} balance in my Paypal account. 

I have sent countless messages to Paypal and no one has been willing to call me or to release my funds to me and it's been months now. 

I have asked Paypal for the recordings of the phone calls and they haven't sent them. 

It's all been very frustrating. Paypal is keeping my money from a Phone sale for months and they won't even tell me why or communicate with me. I just get repeated vague and generic responses. 

I'd love some assistance and would really love my money. 

I have earned Paypal thousands of dollars over the years and it's mind boggling to be treated this way. 

I'm including a picture of the actual Paypal transaction where the buyer sent me the money for the phone. 
I'm including a picture of the XXXX transaction where the buyer gave me a positive rating. 
I'm including a picture of my XXXX rating which is stellar just to give a sense of who I am, how long I've been selling products and that I have an impeccable reputation. 

So what's Paypals ' beef with me? 

I don't think Paypal should be allowed to seize customers funds for no proven reason. 
I feel like they made me guilty without a trial and are completely unwilling to find a human on the Paypal side to communicate in a real way.

Company response to consumer: Closed with explanation