vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have had several medical events from XXXX. XXXX , CMRE received medical debts from my provider XXXX  XXXX XXXX XXXX Many bills were in error and I had to dispute. The accuracies and verifications were never submitted nor did the hospital originally follow up or give me time to address debt balances left from insurance or payment plans. As it was during pandemic and my own illness prior and during time. I had to have a bill deleted, however in the meantime it had already dragged my credit down several points. I didn't know it was on the reports until i received monitoring due to breach of our information from a laptop from employer of my job. 

XXXX  XXXX XXXX underwent a merge of systems with XXXX XXXX XXXX. In the process, billing departments were and continue to be separate. I had 3 surgeries and other procedures. So I had onslaught of medical bills, and during the pandemic. I have asked the credit bureaus and collection agencies to delete the paid collections and a newest one was put on my credit and I told the lady I had to check the accuracy of my portion of bill. I paid it immediately within a 1 day of reported on credit. I have a concern when medical providers sell debts off quick and end up with scrupulous collection agents that hound and harass. The bureaus report when you attempt to address and dispute and sometimes restart debts. It is a vicious cycle for consumers who have had health challenges, employment and a fallout such as this health crisis we are in. I want the past medical collections deleted, due to the numerous issues. I have one in dispute with my provider and a collection agency that hasn't yet put on my credit, had I not been aware and starting to research these type of errors, then it would have resulted in more credit damage! 

Date ranges XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I've contacted XXXX and USAA to have these fraudulent items removed. USAA has requested XXXX not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX XXXX balance of {$1000.00} on an account that doesn't have a balance.

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 2021-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking at my credit report and I see that my credit score is very low. I have no idea why you put this information on my account. I'm shocked. I don't know what should I do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XXXX XXXX. I filled an FTC report on XXXX XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against XXXX XXXX. This contract is 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 2021-10-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account COMENITY BANK/ANNTYL that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have opened a new bank account with US Bank and they needed proof of address. I've sent in my i.d . social, two forms of mail, my marriage license & the front & back page of my signed lease and they still will not release my funds. But they sent me my credit card and another fraud paper in the mail so they sent that stuff to an address that they " can't confirm '' but won't release my funds to me. That makes no sense and now I see it as they are stealing money from me. Please contact me back at XXXX or XXXX 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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED COMMUNITY BANK
State: SC

Complaint narrative:
I took out a new home construction loan with United Community Bank. Once construction was complete the loan was converted to a traditional loan. During the conversion 2 loan numbers were created for my home, one thru the banks servicing agency and one with the bank. Both loans are showing the total amount of my home is due. This means I have double the debt on my credit reporting. I have contacted United Community Bank thru the customer service call center, my loan processors ( XXXX XXXX & XXXX XXXX ), regional managers ( XXXX XXXX, in XXXX XXXX  defense she's only known a couple of weeks ), and the collections department all with no resolution. I have sent in multiple statements showing the 2 loan numbers and cashed checks. In one instance I sent a cleared check for XXXX and XXXX and I was told XXXX XXXX payment was still late because the bank did not process it on time ; the check was cashed on XX/XX/XXXX but wasn't applied until XXXX. It's completely ridiculous. I am repeatedly reassured the problem is solved but the loan has not been removed from my name. The bank has stopped credit reporting delinquencies on me but my credit is hurt because of the large amount of debt and my wife 's credit took a 200 point hit because they are still reporting on her. This has been going on since XXXX, it's been constant stress on me and my family, it's embarrassing, and infuriating. We wanted to refinance to a VA loan while interest rates were still low and remove the PMI payments but we are handcuffed. This problem will cost me thousands over the upcoming years.

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 2021-10-12 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a notification from Bank of America that there maybe fraudulent charges. The charge was for {$4300.00} overseas to a university in XXXX XXXX. 

I contacted XXXX, and they confirmed the charge was a " guest '' charge, which has nothing to do with my XXXX account. The offender had my credit card details and paid XXXX ( pounds, exactly ) to the XXXX XXXX XXXX XXXX. 

I contacted the XXXX XXXX XXXX XXXX and spoke to Collection Officer XXXX XXXX, who found my transaction, and can identify the student responsible. The student had multiple attempts with other cards. 

I contacted my local police department ( XXXX XXXX Police Department ) and filed a report, which is attached. 

After numerous calls to Bank of America, they have not re-opened my claim. I was not given the reason why my claim was denied. This charge came from a different country,

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 2021-10-12 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: WA

Complaint narrative:
I have been disputing unauthorized inquires on my TRANSUNION report for over a year now. I have submitted several CFPB complaints and reported the identity theft to the FTC. TRANSUNION willfully and knowingly furnished my consumer report without having my direct consent. On XX/XX/2021 TRANSUNION sent me confirmation by post mail that these inquiries were finally deleted from my report. I am highly offended that TRANSUNION thinks they can blatantly disregard there negligence to federal law and my consumer rights. Because this information is public information TRANSUNION is responsible for compensating me for all of the civil violations committed against 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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
I have never done business with FAIR COLLECTIONS & OUTSOURCING , INC .

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 2021-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX Balance {$2400.00} StatusAccount charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$2500.00} StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX MORTGAGE Potentially negative Date openedXX/XX/XXXX Balance {$230000.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$0.00} StatusClosed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$1700.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$960.00} StatusCollection account. {$960.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: DE

Complaint narrative:
Notice to all in fact, pursuant with title 15 of the US constitution I am a consumer. The United States is a Corporation pursuant 28 usc 3002 ( 15 ) and I Am a consumer of this corporation. As a consumer I have never signed a contract or PROMISSORY Note with the company CENTRAL PORTFOLIO CONTROL. I believe them to be a 3rd party debt collector which means they must operate once 15 usc 1692 the Fair Debt Collection Practices Act. I demand to see proof that CENTRAL PORTFOLIO CONTROL is in fact the owner of any alleged debt they may claim I own, I am formally requesting a receipt of. purchase giving them authority to collect this alleged debt. Pursuant 18 usc 8 ANY and ALL bill and certificates of indebtedness are the obligation of the United States the corporation not me the consumer. I also have never given written or oral permission for this item to be furnished on my consumer reports which is a direct violation of 15 usc 1681b. Notice in Fact that I am demanding these alleged debts be removed OR send me check in the mail for {$5000.00} for every minute that its been on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
On XX/XX/2021, someone managed to 'hack ' my credit card with Barclays XXXX account ending in XXXX. At the time, Barclay 's customer service reached out to me to report fraudulent activity at XXXX XXXX, around {$200.00}. The service representative then asked me to go over recent charges with me to see if any other fraudulent activity could be identified. We noted two charges, one at XXXX  XXXX for {$250.00} and one at XXXX XXXX # XXXX for {$210.00}. I was told that these charges would be removed, as they had occurred around the same time as the XXXX XXXX charge. 

On XX/XX/2021, Barclay card sent me a letter to let me know that they believed the activity for XXXX XXXX # XXXX for {$210.00} was valid, and they had chosen to place this charge back on my account. Although I did not receive a letter for it, they also chose to add the charge from XXXX  XXXX of {$250.00} back to my account. Neither of these charges were valid. I cancelled the card due to this, as I felt that I could no longer trust the company ( and my credit line was {$14000.00} ). During this cancellation call, customer service told me that a manager would call me back to discuss options. I have never received a call. 

I have tried to file a dispute online for these charges, but since my credit card is cancelled, and I no longer know the number for the one that was stolen ( as I was advised to shred it on XX/XX/2021, and another one was shipped, ) I can not file a dispute via the website. 

I also can not attach a cardholder agreement, as the website will not provide 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 monetary relief
Consumer complaint received 2021-10-12 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Bureau is reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: IN

Complaint narrative:
Gemini Crypto Exchange froze my account over a month ago. Since then, I have sent multiple support messages trying to unfreeze my account or at least get some explanation as to why they did this. To date, Gemini has not responded to any of my requests for assistance or explanation. 

This account has access to my bank accounts. Not having access to it is a security risk. Gemini has no right to take away access to my property without giving me any reason or assistance as this is a breach of their fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke with a SUPERVISOR agent from Transunion who told me that I can not dispute any inquiries because a creditor does not have a time limit to respond on a dispute. I requested a dispute on 19 unauthorized inquiries to be removed from my credit report and the agent refused to even open an investigation dispute. They are deliberately not allowing consumers to file any type of disputes online, via the mail, or over the phone and that is violating my rights to fair credit. 

My file number with Transunion is : XXXX My name is : XXXX XXXX The inquiries are listed below : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX National Credit Cards/XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union I did not authorize these inquiries nor do I have any open and active accounts with these companies and I would like for these items to be deleted immediately as it is causing damage to my credit.

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 2021-10-12 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: LEXISNEXIS
State: FL

Complaint narrative:
I have two dismissed bankruptcies on my XXXX report. I have disputed these bankruptcies for years. Finally XXXX told me that I had to dispute them with LexisNexis, which I did. LexisNexis removed them. XXXX still refuses to remove them, saying that LexisNexis is certifying that they are in their data base. LexisNexis is telling me that they are not certifying to XXXX that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which XXXX is ignoring. I want these items removed. It should not take years to have this corrected.

Company response to consumer: Closed with explanation