vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My girlfriend and I purchased groceries on her girlfriend 's XXXX account on XXXX XXXX ising my Coinbase wallet debit card. The order total was XXXX but XXXX placed a hold for extra funds in case adjustments were made to the order for substituted items. The total hold amount was {$100.00}. So the difference was to be returned to me. Normally I receive these types of returned adjustments in minutes, or in some case no more than 3 to 5 business days in light if the allowed 1_10 day timeframe because it never and should never take that long after they have marked a transaction as completed. Coinbase marked the total amount t if {$100.00} authorized complete on the purchase date. They should not have marked this complete to the merchant not submitting that value as the final amount. I have since been waiting for these balances to be returned to my Coinbase card account in the amount if approximately {$25.00}. I believe the merchant and/ or the bank are handling these types of processes with little regard to the consumer once it reaches the point of just unnecessary delays. And it has been proven that the amount was finalized already. I can not get any type of update ipr help from Coinbase and in this regard, after further reviewing my account, I can see this transaction shows pending foe {$100.00}, however they also marked it as authorized completed. In addition to this issue I have discovered pending transactions that are over 1 year old from XXXX XXXX, XXXX  and also another from XXXX of XXXX. There have been at least 3 occasions whereas Coinbase has not properly reconciled my balance payments and ultimately kept monies from XXXX  purchases that they had on hold and never returned to me. Due to the confusing way that they delivered amd changed the transaction settlement dates, it makes it impossible for me to prove the overages so I ultimately end up taking the lose and just end up hoping rhat they will discover the overage upon their end of the year reports, but they did not. They owe me over {$75.00}, not including the current XXXX adjusted balance from the transaction on XXXX XXXX, for additional transactions in crypto purchases in the Coinbase app, and in store purchases using my Coinbase card. The transactions were either cancelled in some instances or placed on hold and never reconciled. At this point I am just frustrated and perhaps am leaning towards demanding an investigation into the handling of their customer account funds and banking transaction/activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: DE

Complaint narrative:
I have 2 fraudulent inquires with XXXX XXXX bank and XXXX XXXX  that are reporting to my Transunion XXXX XXXX. I believe I am a victim of identity theft. On XX/XX/, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and XXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! please contact me back as soon as possible with these inquiries removed off my credit report!! 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX, XXXX, we entered into an agreement with Mosaic ( and XXXX XXXX  ) to have an XXXX XXXX XXXX  ( XXXX  ) built in our back yard, with Mosaic providing financing for it. The contract did not progress. Mosaic released funds to XXXX. But after 16 months, no work was done, and XXXX did not respond to our phone calls and e-mails. We e-mailed Mosaic in XXXX, XXXX, and they told us to provide documents and a photo of the ( untouched ) construction site, and we did so ; Mosaic said they would start a fraud investigation of XXXX. Since then, we have made numerous requests for status from Mosaic by phone and e-mail, which went unaddressed, the last of which was on Monday, XX/XX/XXXX. We were assured in no uncertain terms that we would be called ( at any of 3 phone numbers we provided, and 2 e-mail addresses ), within 72 hours, which would have been Thursday, XX/XX/XXXX. We have received no further communication from Mosaic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX  {$2200.00} Creditor XXXX : XXXX XXXX XXXX {$150.00} Creditor XXXX : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed with Transunion and was told XX/XX/2023, that the said debt with XXXX would be deleted from my credit file XX/XX/2023 it has been removed from XXXX and XXXX but is still fraudulently reporting on Transunion which they are in violation of doing so

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 2023-10-02 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: 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-10-02 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-10-02 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: L.B.Gray LLC A Debt Collection Agency
State: FL

Complaint narrative:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX XXXX XXXX$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX  XXXX  {$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX  {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a XXXX Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened the disputes for wrong merchandise received on XX/XX/XXXX for XXXX $ from XXXX XXXX XXXX  XXXX XXXX. The merchant wouldnt come to get his products ( XXXX rolls of artificial turf ) and wouldnt issue a refund. 
Not only the Citi bank dragged the case into the XXXX, it sounds like they didnt read any of the proofs and docs i submitted to them. All they went with is the merchants response denying the charge. Case closed, investigation complete on XX/XX/XXXX! Unbelievable! They refuse to reopen the case and deny my appeal and I know I have a right to do that! 
Citi bank is the worst bank I ever dealt with, wish these charges were made with 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 2023-10-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute letter via certified mail which was received/delivered to Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) on XX/XX/2023. Certified Mail XXXX # XXXX. Enclosed with the dispute letter was a copy of my social security card and passport for identification purposes. 

I received a letter on XX/XX/2023 from Equifax stating that they would not complete the investigation and also requested copies of my ID for identification purposes. I have PREVIOUSLY submitted via the mailed dispute letters copies of my ID. This company continues to REFUSE to investigate and remove information from my credit report that does not belong to me further violating my consumer rights. I DEMAND a proper investigation and deletion of the accounts for which do not belong to me that were submitted in the attached mailed letter. I have attached the original mailed letter to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I found a collection reported on my credit report in XX/XX/XXXX from TSI. Prior to this I would receive repeated phone calls but no voicemail. ( Bill collectors constantly call in regards to my father... so I don't answer my phone unless I can recognize the number or a voicemail is left ). I called TSI to ask why I was sent to collections when I have no personal/business relationship with them. They explained that they are a debt collection agency and XXXX sent me to them for a serious debt/collection of {$360.00}. I tried to explain that I do not have any accounts with this company and hadn't received one single form of communication by mail, email or phone call regarding any debt from this company prior to this notification on my credit report. After, repeating several times that I do not, nor have I ever had any open accounts in AZ since moving away in XXXX they answered it was fraud and would send me paperwork to complete. They said it would take 30-90 days. I have received no documents. And now I have a blemish on my credit report. TSI Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I Filed complaints against Equifax on XX/XX/2023 when I noticed accounts on my report that had information reporting incorrectly for 6 years after attempts to resolve the matter failed. On XX/XX/2023 I filed another complaint about retaliation for filing the previously dated complaint with the Consumer Fraud Prevention Bureau. I am still having to deal with injury to my standing as Equifax is attacking me again. Equifax claims to have confirmed the information of the account as true and gives this as the reason for harassing me but I have a contract that conflicts with their claims. Per the contract of my medically accepted discharge no new adverse information would be reported and I have already received confirmation of such process has been completed with a verified forgiveness and receipt from the IRS sent to me from the creditor as required by law. Once again this is an attempt to intimidate and damage my financial mobility and this has been going on for XXXX plus years now and I have been injured because of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: AL

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.

has violated my rights. Or a list of inquiries : 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 2023-10-02 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: AL

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.

has violated my rights. Or a list of inquiries : 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 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 2023-10-02 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: MOHELA
State: NY

Complaint narrative:
I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Company has been incorrectly reporting to me a score based on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company has been incorrectly reporting to me a score based on 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