vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 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: MT

Complaint narrative:
XXXX XXXX  notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit 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 2021-07-03 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: MT

Complaint narrative:
XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizen 's One offers a line of credit to purchase a XXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Clark County Collection Service
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XX/XX/2016

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 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I joined Chime almost 5 years ago. Its been a great bank. Then, XX/XX/2021 my account was compromised by someone who has an old ID of mine. They changed the email and phone number and locked me out of my account. I immediately called Chime to notify them I got a notification my phone number changed which I didnt change. They had me send in Identity documents including a selfie of me holding my ID. After several weeks, they corrected all my info back to the original information and then immediately closed my account. They mailed me a closure check for {$24000.00} on the XXXX of XXXX. When I received the tracking information, on the XXXX, it was already out for delivery in the WRONG state. I immediately called and asked how did this happen, I specifically instructed them not to modify the address because this hacker has my old ID and will be able to cash the check. The cancelled and reissued check. After going back and forth with them over the week about details of the suspected hacker, was told by several agents the new checks were set to arrive at the correct address today, Friday the XXXX between XXXX. It never arrived and my fear is that somehow the hacker intercepted the check again. I cant confirm because they havent provided the tracking details still. Upon calling them in a panic, was told there was not a new check mailed. I havent been to the grocery store since XX/XX/XXXX. I havent eaten in two days. I have no gas in the car and cant leave my home. They dont even know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX offers a line of credit to purchase a XXXXXXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.

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 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Today on XX/XX/XXXX. I checked my credit report and discovered a {$9700.00} collection account. I haven't owed any debt during Covid-19 so I thought this was mistake. However, I checked my XXXX  report and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, was on my credit report on behalf of XXXX XXXX XXXX. My my life was threatened and the police was called out to the residence I was residing in, on XX/XX/XXXX to file a report. I conveyed this to the Leasing Agent and I had moved my belongings out of the unit on XX/XX/XXXX and this was witnessed by the agent because there was a video and audio recording of her speaking with me. There were pictures taken of the unit as well. I even signed a new lease at the end of XX/XX/XXXX so there was no way I would still be liable to pay over $ XXXX for a unit that I didn't live in. I understand these are hard times during Covid-19 however, I should not be liable after almost 2 years and 8 months for a debt that is not mine. Why would a creditor allow so much time to past to make me responsible for a debt that is not accurate? I worked at the XX/XX/XXXX in XXXX County as a XX/XX/XXXXand there were no Judgments against me, which is the action to take with Real Estate. Why would the collection agency not send me a notice to collect a debt when my address has remained the same since XX/XX/XXXX to dispute these charges? California residents are protected by the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 to 1788.33 ), The Rosenthal Act also requires that original creditors and collection agencies and attorneys comply with the federal FDCPA. ( Cal. Civ. Code 1788.17 ). Attorneys are subject to the professional standards set out in California 's Business & Professions Code. ( Cal. Bus. & Prof. Code 6077.5 ( a ) ) .This is the definition of fraud! I want this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TN

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On or about the second week of XX/XX/2021, I received a debit card from the Huntington National Bank in XXXX, OH. It was in my name but I had no knowledge of the account. I had not set one up. The debit card was followed about a week later by a letter from the same bank, welcoming me to their bank and the letter stated the account had been opened on XX/XX/2021. 

I did contact that bank and explained I had opened no such account and had it reported to their fraud department. it was them researched and closed per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I noticed a few days ago after reviewing my statement that there was a charge on my XXXX XXXX XXXX XXXX issued by Synchrony Bank. 

My personal laptop was stolen from my apartment and not sure who took it because I live with roommates and family. 

I immediately filed a dispute but no action was taken

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 2021-07-03 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Today I was contacted by a place they referred to themselves as CBE FINANCIAL GROUP Via telephone. They asked was I a certain individual and I told them I dont confirm or deny, they then stated This is an attempt to collect on a debt I said Okay? In a puzzled tone. She then said Well, do you live at ( insert actual address including zip code of individual she was calling about here ) and I became outraged. I am an abuse survivor and this woman blurted out SENSITIVE PRIVATE INFORMATION, the address to someones home. I told her that was very unprofessional and what if I been a serial killer? What if I were an abusive ex? What if I had any ill will or intentions? I can understand her asking FOR my address to confirm the account, but sitting there giving me some strangers private address over the phone call completely baffled me. That has to be illegal. There is no way that she could know if I were the person in question or someone that knew the person in question and wanted to harm them. I asked to file a complaint, I was told because I did not have an account with them, I could not file a complaint with them. Completely disregarded my concerns and acted like this was business as usual to do this often with people that they contact and that is just NOT okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TX

Complaint narrative:
I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TX

Complaint narrative:
I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC
State: MO

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened my account in Coinbase, Inc., the company which operates Coinbase and GDAX in the U.S., based in California. Funded with XXXX. I had to wait 6 days for availability, which I did. 
Today when the funds are available, they come an block my account disabling all possible options to buy or sell with my money. I sent 3 emails to customer service support but they do not answer. It is impossible to communicate with them I found that this company has been sued in a class action for blocking the accounts without any reason. My ID has been verified 4 times without any problem and the funds are there. 
I am desperate because it seems that they are taking my money without any justification. Please help XXXX XXXX

Company response to consumer: Closed with explanation