vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  Credit File to prevent identity theft. 
Unlocked

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 2021-03-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  XXXX XXXX to prevent identity theft. 
Unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I sold bitcoin on Coinbase.com and before I could withdraw the money the account was blocked and I have not been able to log in to the account for 3 months. 

I have complained to Coinbase.com many times without success and Coinbase does not respond to any of the complaints. 

After many attempts at support I only get automatic answers back. 

Reply ] Case # XXXX - Acess to my account Case # XXXX - identity verification Unable to verify your identity + photo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: COMMERCE BANK
State: MO

Complaint narrative:
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
XX/XX/31, I called Direct Express ( COMERICA BANK ), spoke with two men, and the same day and following day I could no longer get access to my money. Everytime I've called the same number since then, XXXX XXXX XXXX XXXX the customer service person has told me lies, arrogantly refusing to answer questions regarding what happened, and giving me different mandates, such as going into a " local office, '' as the " only way, '' I can use my card. I told them often that they were keeping my money hostage, and they were consistly indifferent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.

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 2021-03-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.

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 2021-03-13 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: Nelnet, Inc.
State: MO

Complaint narrative:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: MO

Complaint narrative:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

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 2021-03-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

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 2021-03-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RE : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : XXXX  and Transunion refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.

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 2021-03-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : Equifax and XXXX refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CT

Complaint narrative:
My student loan was in deferment. I applied for a forbearance which was applied to my account effective in XX/XX/XXXX. My payment status shows on time payments/in good standing up until XX/XX/XXXX when it jumps to a 90 day delinquency, which of course is derogatory. Despite the fact that the effective date of the forbearance precedes the 90 day delinquency and the payment statuses do not correspond ( no 30 day or 60 day late ), fedloan claims it is a valid delinquent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I received letter from Shellpoint mortgage on XXXX/XXXX/2021 about my mortgage loan account number XXXX that they resume reporting my discharged loan starting from XXXX XXXX2021 its against the law to report my discharged loan through chapter XXXX bankruptcy since these is not there first time that they attempted to collect a debt or intimidate a borrower I would like to be compensated for moral damages.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Debt Recovery Solutions which is a collection agency for Loan by Phone has placed a collection of {$210.00} on my credit report for a so called loan by phone back in XX/XX/XXXX. This company came out of no where with this loan. When I spoke to them they said it was in XX/XX/XXXX or XXXX. XXXX!! I never had a loan from these people nor did I receive anything. I have a my bank statements for years now that shows where any loan monies I receive or received been deposited and that amount and company is no where on there. I'm XXXX because I have disputed with XXXX XXXX an nothing was done it is not accurate. I have no unpaid loans from this company. I may have applied but never went through it. I have statements to prove it. Its destroying my credit score and these people need to stop. Funny thing is my kids father received a call from same people saying he had a loan by phone and a balance he never touched a loan in his life. Please help I don't want to be robbed for monies I never received. They can't even provide documentation and/or receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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

Complaint narrative:
PayPal closed my account/permanently limited and the payments to me is on hold for the reason that I am underage but I am already XXXX years of age, and I already submitted the copy of my driver 's license for my verification. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal as my payment option for my XXXX XXXX to the client thus it's an intangible item And a non shipment transaction. The goods and services Delivered and used to the client is an electric format.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Checked my credit report and to my surprise, I seen numerous fraudulent hard inquiries on my report. I contacted the credit bureaus. They said to contact the FCRA and a complaints first. 


XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020+ XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020

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 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Someone created an email account in my husbands name, and created a zelle account. We found out from our bank XXXX XXXX XXXX fraud department the email address is XXXX. We did not create the email and the person who created the email address transferred money two separate transactions within approximately 1 hour between in the amounts of {$500.00} and then {$490.00} from our account to a person by the name of XXXX XXXX who we do not know. I need this zelle account deleted immediately please. I have had no luck for the past 3 days getting in touch with anyone from zelle. Until Thursday we had no idea what zelle was. Could you please let me know what the next step may be. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CA

Complaint narrative:
After reviewing my credit reports. I found unverified accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification for the following accounts : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation